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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 | $284,304 | $176,120+61.4% | $159,487+78.3% | $167,553+69.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 18.38% | 331.95%-313.6pp | 263.71%-245.3pp | 478.89%-460.5pp |
| Employer contribution / active EE | $15,984 | $5,299+201.6% | $4,831+230.9% | $4,840+230.3% |
| Participant deferral / active EE | $17,184 | $7,752+121.7% | $7,354+133.7% | $6,343+170.9% |
| Admin fee / account holder | $1,522 | $12,561-87.9% | $10,804-85.9% | $12,316-87.6% |