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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 | $394,632 | $184,000+114.5% | $162,185+143.3% | $152,909+158.1% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 20.20% | 150.80%-130.6pp | 115.61%-95.4pp | 345.46%-325.3pp |
| Employer contribution / active EE | $16,403 | $6,370+157.5% | $5,613+192.2% | $4,764+244.3% |
| Participant deferral / active EE | $10,545 | $8,033+31.3% | $7,297+44.5% | $5,851+80.2% |
| Admin fee / account holder | $8,835 | $13,124-32.7% | $10,844-18.5% | $11,601-23.8% |