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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 | $268,816 | $175,231+53.4% | $149,696+79.6% | $139,466+92.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.00% | 166.77%-147.8pp | 134.46%-115.5pp | 373.66%-354.7pp |
| Employer contribution / active EE | $13,400 | $5,478+144.6% | $4,821+178.0% | $4,754+181.9% |
| Participant deferral / active EE | $11,824 | $6,521+81.3% | $5,682+108.1% | $6,712+76.2% |
| Admin fee / account holder | $900 | $16,155-94.4% | $13,212-93.2% | $11,409-92.1% |