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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 | $432,343 | $165,399+161.4% | $149,745+188.7% | $158,982+171.9% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 294.63% | 348.34%-53.7pp | 276.72%+17.9pp | 302.99%-8.4pp |
| Employer contribution / active EE | $17,012 | $5,105+233.3% | $4,646+266.2% | $4,763+257.2% |
| Participant deferral / active EE | $11,984 | $7,183+66.9% | $6,843+75.1% | $5,983+100.3% |
| Admin fee / account holder | $14,096 | $10,811+30.4% | $9,312+51.4% | $11,252+25.3% |