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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 | $306,615 | $176,105+74.1% | $159,474+92.3% | $167,536+83.0% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 14.38% | 331.91%-317.5pp | 263.68%-249.3pp | 478.82%-464.4pp |
| Employer contribution / active EE | $12,643 | $5,299+138.6% | $4,831+161.7% | $4,839+161.3% |
| Participant deferral / active EE | $12,416 | $7,751+60.2% | $7,353+68.9% | $6,342+95.8% |
| Admin fee / account holder | $51,650 | $12,559+311.2% | $10,802+378.1% | $12,315+319.4% |