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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 | $386,356 | $213,785+80.7% | $185,441+108.3% | $155,188+149.0% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 98.94% | 19.97%+79.0pp | 20.16%+78.8pp | 148.84%-49.9pp |
| Employer contribution / active EE | $15,006 | $5,393+178.2% | $4,672+221.2% | $4,248+253.3% |
| Participant deferral / active EE | $14,720 | $6,864+114.4% | $6,152+139.3% | $6,531+125.4% |
| Admin fee / account holder | $2,419 | $21,134-88.6% | $17,890-86.5% | $14,480-83.3% |