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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 | $314,980 | $209,874+50.1% | $189,537+66.2% | $167,536+88.0% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 18.76% | 748.61%-729.9pp | 555.34%-536.6pp | 478.82%-460.1pp |
| Employer contribution / active EE | $21,265 | $6,913+207.6% | $6,161+245.2% | $4,839+339.4% |
| Participant deferral / active EE | $13,000 | $8,934+45.5% | $8,220+58.2% | $6,342+105.0% |
| Admin fee / account holder | $795 | $14,299-94.4% | $12,048-93.4% | $12,315-93.5% |