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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 | $283,122 | $172,111+64.5% | $150,298+88.4% | $137,256+106.3% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 466.80% | 69.37%+397.4pp | 62.79%+404.0pp | 220.34%+246.5pp |
| Employer contribution / active EE | $12,226 | $4,636+163.7% | $4,154+194.3% | $4,156+194.2% |
| Participant deferral / active EE | $4,448 | $6,166-27.9% | $5,453-18.4% | $6,407-30.6% |
| Admin fee / account holder | $3,684 | $16,471-77.6% | $14,116-73.9% | $12,270-70.0% |