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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 | $335,637 | $159,978+109.8% | $147,041+128.3% | $145,978+129.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 34.08% | 98.36%-64.3pp | 419.21%-385.1pp | 550.52%-516.4pp |
| Employer contribution / active EE | $6,092 | $5,288+15.2% | $4,935+23.4% | $4,662+30.7% |
| Participant deferral / active EE | $11,905 | $8,429+41.2% | $8,071+47.5% | $6,690+78.0% |
| Admin fee / account holder | $13,174 | $15,053-12.5% | $13,006+1.3% | $13,400-1.7% |