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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 | $336,917 | $198,457+69.8% | $170,435+97.7% | $147,586+128.3% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 17.90% | 257.30%-239.4pp | 205.94%-188.0pp | 578.59%-560.7pp |
| Employer contribution / active EE | $22,000 | $6,183+255.8% | $5,432+305.0% | $4,876+351.2% |
| Participant deferral / active EE | $15,969 | $5,629+183.7% | $4,939+223.3% | $5,439+193.6% |
| Admin fee / account holder | $1,685 | $16,852-90.0% | $13,881-87.9% | $10,886-84.5% |