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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 | $277,869 | $176,105+57.8% | $159,474+74.2% | $167,536+65.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 20.95% | 331.91%-311.0pp | 263.68%-242.7pp | 478.82%-457.9pp |
| Employer contribution / active EE | $9,617 | $5,299+81.5% | $4,831+99.1% | $4,839+98.7% |
| Participant deferral / active EE | $6,388 | $7,751-17.6% | $7,353-13.1% | $6,342+0.7% |
| Admin fee / account holder | $10,645 | $12,559-15.2% | $10,802-1.5% | $12,315-13.6% |