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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 | $327,649 | $175,257+87.0% | $149,717+118.8% | $139,456+134.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 48.37% | 166.70%-118.3pp | 134.41%-86.0pp | 373.45%-325.1pp |
| Employer contribution / active EE | $8,609 | $5,477+57.2% | $4,820+78.6% | $4,753+81.1% |
| Participant deferral / active EE | $13,878 | $6,521+112.8% | $5,682+144.3% | $6,711+106.8% |
| Admin fee / account holder | $5,306 | $16,156-67.2% | $13,213-59.8% | $11,407-53.5% |