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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 | $417,963 | $217,427+92.2% | $185,837+124.9% | $167,518+149.5% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.31% | 148.39%-137.1pp | 122.08%-110.8pp | 478.71%-467.4pp |
| Employer contribution / active EE | $38,159 | $5,874+549.6% | $5,168+638.4% | $4,838+688.7% |
| Participant deferral / active EE | $26,000 | $6,357+309.0% | $5,568+366.9% | $6,342+310.0% |
| Admin fee / account holder | $19,447 | $19,816-1.9% | $16,241+19.7% | $12,312+57.9% |