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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 | $310,116 | $184,000+68.5% | $162,185+91.2% | $152,909+102.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 66.77% | 150.80%-84.0pp | 115.61%-48.8pp | 345.46%-278.7pp |
| Employer contribution / active EE | $16,402 | $6,370+157.5% | $5,613+192.2% | $4,764+244.3% |
| Participant deferral / active EE | $13,430 | $8,033+67.2% | $7,297+84.1% | $5,851+129.5% |
| Admin fee / account holder | $3,771 | $13,124-71.3% | $10,844-65.2% | $11,601-67.5% |