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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 | $334,643 | $160,059+109.1% | $140,019+139.0% | $135,380+147.2% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | 12.05% | 911.48%-899.4pp | 651.17%-639.1pp | 519.81%-507.8pp |
| Employer contribution / active EE | $3,155 | $6,420-50.8% | $5,605-43.7% | $4,779-34.0% |
| Participant deferral / active EE | $12,879 | $7,641+68.6% | $6,927+85.9% | $5,609+129.6% |
| Admin fee / account holder | $6,124 | $13,328-54.1% | $10,705-42.8% | $10,828-43.4% |