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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 | $401,700 | $176,105+128.1% | $159,474+151.9% | $167,536+139.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 16.92% | 331.91%-315.0pp | 263.68%-246.8pp | 478.82%-461.9pp |
| Employer contribution / active EE | $8,330 | $5,299+57.2% | $4,831+72.4% | $4,839+72.1% |
| Participant deferral / active EE | $12,338 | $7,751+59.2% | $7,353+67.8% | $6,342+94.5% |
| Admin fee / account holder | $2,514 | $12,559-80.0% | $10,802-76.7% | $12,315-79.6% |