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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 | $308,639 | $176,077+75.3% | $159,455+93.6% | $167,518+84.2% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 15.53% | 331.83%-316.3pp | 263.63%-248.1pp | 478.71%-463.2pp |
| Employer contribution / active EE | $5,201 | $5,298-1.8% | $4,830+7.7% | $4,838+7.5% |
| Participant deferral / active EE | $12,949 | $7,751+67.1% | $7,353+76.1% | $6,342+104.2% |
| Admin fee / account holder | $9,581 | $12,556-23.7% | $10,800-11.3% | $12,312-22.2% |