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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 | $306,230 | $152,619+100.6% | $125,195+144.6% | $152,909+100.3% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 263.36% | 54.85%+208.5pp | 43.79%+219.6pp | 345.46%-82.1pp |
| Employer contribution / active EE | $3,669 | $4,947-25.8% | $3,866-5.1% | $4,764-23.0% |
| Participant deferral / active EE | $10,747 | $5,869+83.1% | $4,937+117.7% | $5,851+83.7% |
| Admin fee / account holder | $9,263 | $13,437-31.1% | $9,704-4.5% | $11,601-20.2% |