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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 | $159,978+81.4% | $147,041+97.3% | $145,978+98.8% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 55.00% | 98.36%-43.4pp | 419.21%-364.2pp | 550.52%-495.5pp |
| Employer contribution / active EE | $14,773 | $5,288+179.3% | $4,935+199.3% | $4,662+216.9% |
| Participant deferral / active EE | $17,080 | $8,429+102.6% | $8,071+111.6% | $6,690+155.3% |
| Admin fee / account holder | $4,828 | $15,053-67.9% | $13,006-62.9% | $13,400-64.0% |