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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 | $321,015 | $176,105+82.3% | $159,474+101.3% | $167,536+91.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 23.15% | 331.91%-308.8pp | 263.68%-240.5pp | 478.82%-455.7pp |
| Employer contribution / active EE | $16,431 | $5,299+210.1% | $4,831+240.1% | $4,839+239.5% |
| Participant deferral / active EE | $7,666 | $7,751-1.1% | $7,353+4.2% | $6,342+20.9% |
| Admin fee / account holder | $2,620 | $12,559-79.1% | $10,802-75.7% | $12,315-78.7% |