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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 | $296,820 | $176,120+68.5% | $159,487+86.1% | $167,553+77.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.25% | 331.95%-319.7pp | 263.71%-251.5pp | 478.89%-466.6pp |
| Employer contribution / active EE | $11,232 | $5,299+111.9% | $4,831+132.5% | $4,840+132.1% |
| Participant deferral / active EE | $14,497 | $7,752+87.0% | $7,354+97.1% | $6,343+128.6% |
| Admin fee / account holder | $852 | $12,561-93.2% | $10,804-92.1% | $12,316-93.1% |