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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 | $297,334 | $175,231+69.7% | $149,696+98.6% | $139,466+113.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 13.42% | 166.77%-153.4pp | 134.46%-121.0pp | 373.66%-360.2pp |
| Employer contribution / active EE | $13,306 | $5,478+142.9% | $4,821+176.0% | $4,754+179.9% |
| Participant deferral / active EE | $12,172 | $6,521+86.7% | $5,682+114.2% | $6,712+81.4% |
| Admin fee / account holder | $5,705 | $16,155-64.7% | $13,212-56.8% | $11,409-50.0% |