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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 | $439,881 | $201,264+118.6% | $184,185+138.8% | $145,978+201.3% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 129.89% | 29.00%+100.9pp | 28.81%+101.1pp | 550.52%-420.6pp |
| Employer contribution / active EE | $21,994 | $7,021+213.3% | $6,426+242.3% | $4,662+371.8% |
| Participant deferral / active EE | $9,713 | $9,806-1.0% | $9,132+6.4% | $6,690+45.2% |
| Admin fee / account holder | $15,185 | $16,376-7.3% | $13,909+9.2% | $13,400+13.3% |