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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 | $433,310 | $209,428+106.9% | $178,498+142.8% | $158,950+172.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 51.08% | 188.78%-137.7pp | 151.09%-100.0pp | 302.91%-251.8pp |
| Employer contribution / active EE | $9,854 | $5,707+72.7% | $5,011+96.7% | $4,762+106.9% |
| Participant deferral / active EE | $6,720 | $5,955+12.8% | $5,202+29.2% | $5,983+12.3% |
| Admin fee / account holder | $42,530 | $17,077+149.0% | $13,985+204.1% | $11,248+278.1% |