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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 | $365,732 | $185,856+96.8% | $170,028+115.1% | $139,456+162.3% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 16.45% | 60.52%-44.1pp | 53.39%-36.9pp | 373.45%-357.0pp |
| Employer contribution / active EE | $18,728 | $7,593+146.7% | $6,788+175.9% | $4,753+294.1% |
| Participant deferral / active EE | $17,760 | $11,623+52.8% | $10,409+70.6% | $6,711+164.6% |
| Admin fee / account holder | $3,389 | $15,387-78.0% | $12,820-73.6% | $11,407-70.3% |