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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 | $264,674 | $198,457+33.4% | $170,435+55.3% | $147,586+79.3% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 21.06% | 257.30%-236.2pp | 205.94%-184.9pp | 578.59%-557.5pp |
| Employer contribution / active EE | $10,531 | $6,183+70.3% | $5,432+93.9% | $4,876+116.0% |
| Participant deferral / active EE | $6,886 | $5,629+22.3% | $4,939+39.4% | $5,439+26.6% |
| Admin fee / account holder | $21,031 | $16,852+24.8% | $13,881+51.5% | $10,886+93.2% |