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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 | $369,174 | $176,120+109.6% | $159,487+131.5% | $167,553+120.3% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.04% | 331.95%-321.9pp | 263.71%-253.7pp | 478.89%-468.9pp |
| Employer contribution / active EE | $2,684 | $5,299-49.4% | $4,831-44.5% | $4,840-44.6% |
| Participant deferral / active EE | $4,932 | $7,752-36.4% | $7,354-32.9% | $6,343-22.2% |
| Admin fee / account holder | $12,684 | $12,561+1.0% | $10,804+17.4% | $12,316+3.0% |