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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 | $292,473 | $198,457+47.4% | $170,435+71.6% | $147,586+98.2% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 18.61% | 257.30%-238.7pp | 205.94%-187.3pp | 578.59%-560.0pp |
| Employer contribution / active EE | $10,846 | $6,183+75.4% | $5,432+99.7% | $4,876+122.4% |
| Participant deferral / active EE | $8,862 | $5,629+57.4% | $4,939+79.4% | $5,439+62.9% |
| Admin fee / account holder | $19,982 | $16,852+18.6% | $13,881+44.0% | $10,886+83.6% |