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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 | $251,638 | $175,231+43.6% | $149,696+68.1% | $139,466+80.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.02% | 166.77%-150.8pp | 134.46%-118.4pp | 373.66%-357.6pp |
| Employer contribution / active EE | $7,566 | $5,478+38.1% | $4,821+57.0% | $4,754+59.2% |
| Participant deferral / active EE | $10,764 | $6,521+65.1% | $5,682+89.4% | $6,712+60.4% |
| Admin fee / account holder | $1,305 | $16,155-91.9% | $13,212-90.1% | $11,409-88.6% |