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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 | $321,016 | $176,077+82.3% | $159,455+101.3% | $167,518+91.6% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 11.58% | 331.83%-320.3pp | 263.63%-252.1pp | 478.71%-467.1pp |
| Employer contribution / active EE | $5,499 | $5,298+3.8% | $4,830+13.9% | $4,838+13.7% |
| Participant deferral / active EE | $11,361 | $7,751+46.6% | $7,353+54.5% | $6,342+79.1% |
| Admin fee / account holder | $1,016 | $12,556-91.9% | $10,800-90.6% | $12,312-91.7% |