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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 | $309,310 | $144,130+114.6% | $117,861+162.4% | $147,586+109.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 17.82% | 531.20%-513.4pp | 335.11%-317.3pp | 578.59%-560.8pp |
| Employer contribution / active EE | $12,194 | $4,897+149.0% | $3,786+222.1% | $4,876+150.1% |
| Participant deferral / active EE | $9,125 | $5,316+71.6% | $4,482+103.6% | $5,439+67.8% |
| Admin fee / account holder | $850 | $10,887-92.2% | $8,021-89.4% | $10,886-92.2% |