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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 | $298,364 | $202,463+47.4% | $169,397+76.1% | $139,487+113.9% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 16.13% | 532.64%-516.5pp | 406.23%-390.1pp | 373.84%-357.7pp |
| Employer contribution / active EE | $25,510 | $4,694+443.5% | $4,013+535.7% | $4,755+436.5% |
| Participant deferral / active EE | $15,000 | $6,941+116.1% | $6,223+141.0% | $6,713+123.5% |
| Admin fee / account holder | $2,257 | $10,726-79.0% | $9,017-75.0% | $11,407-80.2% |