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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 | $286,075 | $198,462+44.1% | $170,439+67.8% | $147,585+93.8% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 12.46% | 257.30%-244.8pp | 205.94%-193.5pp | 578.58%-566.1pp |
| Employer contribution / active EE | $11,878 | $6,184+92.1% | $5,433+118.6% | $4,876+143.6% |
| Participant deferral / active EE | $5,610 | $5,629-0.3% | $4,939+13.6% | $5,439+3.1% |
| Admin fee / account holder | $9,045 | $16,852-46.3% | $13,881-34.8% | $10,886-16.9% |