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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 | $311,805 | $149,040+109.2% | $120,225+159.4% | $137,256+127.2% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 17.70% | 605.68%-588.0pp | 439.23%-421.5pp | 220.34%-202.6pp |
| Employer contribution / active EE | $6,408 | $4,350+47.3% | $3,475+84.4% | $4,156+54.2% |
| Participant deferral / active EE | $15,203 | $4,655+226.6% | $3,999+280.2% | $6,407+137.3% |
| Admin fee / account holder | $811 | $6,348-87.2% | $5,696-85.8% | $12,270-93.4% |