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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 | $291,415 | $175,231+66.3% | $149,696+94.7% | $139,466+108.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.72% | 166.77%-151.1pp | 134.46%-118.7pp | 373.66%-357.9pp |
| Employer contribution / active EE | $12,751 | $5,478+132.8% | $4,821+164.5% | $4,754+168.2% |
| Participant deferral / active EE | $10,510 | $6,521+61.2% | $5,682+85.0% | $6,712+56.6% |
| Admin fee / account holder | $1,547 | $16,155-90.4% | $13,212-88.3% | $11,409-86.4% |