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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 | $292,666 | $184,000+59.1% | $162,185+80.5% | $152,909+91.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 33.47% | 150.80%-117.3pp | 115.61%-82.1pp | 345.46%-312.0pp |
| Employer contribution / active EE | $7,732 | $6,370+21.4% | $5,613+37.7% | $4,764+62.3% |
| Participant deferral / active EE | $14,047 | $8,033+74.9% | $7,297+92.5% | $5,851+140.1% |
| Admin fee / account holder | $450 | $13,124-96.6% | $10,844-95.8% | $11,601-96.1% |