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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 | $369,110 | $209,422+76.3% | $178,503+106.8% | $158,982+132.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.94% | 188.81%-176.9pp | 151.12%-139.2pp | 302.99%-291.0pp |
| Employer contribution / active EE | $3,558 | $5,707-37.7% | $5,011-29.0% | $4,763-25.3% |
| Participant deferral / active EE | $17,183 | $5,955+188.5% | $5,202+230.3% | $5,983+187.2% |
| Admin fee / account holder | $39,260 | $17,079+129.9% | $13,987+180.7% | $11,252+248.9% |