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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 | $300,494 | $183,539+63.7% | $155,556+93.2% | $145,897+106.0% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 15.28% | 61.31%-46.0pp | 64.84%-49.6pp | 552.29%-537.0pp |
| Employer contribution / active EE | $10,642 | $5,315+100.2% | $4,675+127.6% | $4,663+128.2% |
| Participant deferral / active EE | $11,256 | $6,467+74.1% | $5,631+99.9% | $6,689+68.3% |
| Admin fee / account holder | $808 | $19,275-95.8% | $15,885-94.9% | $13,390-94.0% |