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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 | $290,133 | $160,028+81.3% | $147,080+97.3% | $145,884+98.9% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 55.00% | 98.60%-43.6pp | 420.17%-365.2pp | 551.85%-496.8pp |
| Employer contribution / active EE | $14,773 | $5,286+179.5% | $4,933+199.4% | $4,662+216.9% |
| Participant deferral / active EE | $17,080 | $8,422+102.8% | $8,066+111.7% | $6,690+155.3% |
| Admin fee / account holder | $4,828 | $15,030-67.9% | $12,989-62.8% | $13,392-63.9% |