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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 | $300,095 | $175,257+71.2% | $149,717+100.4% | $139,456+115.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 25.10% | 166.70%-141.6pp | 134.41%-109.3pp | 373.45%-348.3pp |
| Employer contribution / active EE | $9,329 | $5,477+70.3% | $4,820+93.6% | $4,753+96.3% |
| Participant deferral / active EE | $10,087 | $6,521+54.7% | $5,682+77.5% | $6,711+50.3% |
| Admin fee / account holder | $3,233 | $16,156-80.0% | $13,213-75.5% | $11,407-71.7% |