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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 | $277,622 | $165,361+67.9% | $149,715+85.4% | $158,950+74.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 22.17% | 348.24%-326.1pp | 276.66%-254.5pp | 302.91%-280.7pp |
| Employer contribution / active EE | $9,867 | $5,103+93.3% | $4,645+112.4% | $4,762+107.2% |
| Participant deferral / active EE | $12,075 | $7,182+68.1% | $6,842+76.5% | $5,983+101.8% |
| Admin fee / account holder | $15,969 | $10,808+47.8% | $9,310+71.5% | $11,248+42.0% |