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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 | $270,197 | $176,105+53.4% | $159,474+69.4% | $167,536+61.3% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 16.51% | 331.91%-315.4pp | 263.68%-247.2pp | 478.82%-462.3pp |
| Employer contribution / active EE | $3,910 | $5,299-26.2% | $4,831-19.1% | $4,839-19.2% |
| Participant deferral / active EE | $11,852 | $7,751+52.9% | $7,353+61.2% | $6,342+86.9% |
| Admin fee / account holder | $507 | $12,559-96.0% | $10,802-95.3% | $12,315-95.9% |