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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 | $326,153 | $175,259+86.1% | $149,723+117.8% | $139,487+133.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.93% | 166.82%-150.9pp | 134.50%-118.6pp | 373.84%-357.9pp |
| Employer contribution / active EE | $22,098 | $5,478+303.4% | $4,821+358.3% | $4,755+364.8% |
| Participant deferral / active EE | $18,165 | $6,522+178.5% | $5,682+219.7% | $6,713+170.6% |
| Admin fee / account holder | $43,236 | $16,158+167.6% | $13,215+227.2% | $11,407+279.0% |