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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 | $304,687 | $176,105+73.0% | $159,474+91.1% | $167,536+81.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.40% | 331.91%-321.5pp | 263.68%-253.3pp | 478.82%-468.4pp |
| Employer contribution / active EE | $12,317 | $5,299+132.4% | $4,831+155.0% | $4,839+154.5% |
| Participant deferral / active EE | $9,506 | $7,751+22.6% | $7,353+29.3% | $6,342+49.9% |
| Admin fee / account holder | $3,127 | $12,559-75.1% | $10,802-71.1% | $12,315-74.6% |