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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 | $253,517 | $165,381+53.3% | $149,730+69.3% | $158,966+59.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 75.59% | 348.29%-272.7pp | 276.70%-201.1pp | 302.95%-227.4pp |
| Employer contribution / active EE | $13,995 | $5,104+174.2% | $4,645+201.3% | $4,762+193.9% |
| Participant deferral / active EE | $7,535 | $7,182+4.9% | $6,843+10.1% | $5,983+25.9% |
| Admin fee / account holder | $4,008 | $10,809-62.9% | $9,310-57.0% | $11,250-64.4% |