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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $315,523 | $183,539+71.9% | $155,556+102.8% | $145,897+116.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.52% | 61.31%-47.8pp | 64.84%-51.3pp | 552.29%-538.8pp |
| Employer contribution / active EE | $16,716 | $5,315+214.5% | $4,675+257.5% | $4,663+258.5% |
| Participant deferral / active EE | $20,492 | $6,467+216.9% | $5,631+263.9% | $6,689+206.3% |
| Admin fee / account holder | $3,341 | $19,275-82.7% | $15,885-79.0% | $13,390-75.0% |