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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 | $375,334 | $176,105+113.1% | $159,474+135.4% | $167,536+124.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 17.75% | 331.91%-314.2pp | 263.68%-245.9pp | 478.82%-461.1pp |
| Employer contribution / active EE | $16,356 | $5,299+208.7% | $4,831+238.6% | $4,839+238.0% |
| Participant deferral / active EE | $20,598 | $7,751+165.7% | $7,353+180.1% | $6,342+224.8% |
| Admin fee / account holder | $9,914 | $12,559-21.1% | $10,802-8.2% | $12,315-19.5% |