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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 | $325,224 | $176,077+84.7% | $159,455+104.0% | $167,518+94.1% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 25.37% | 331.83%-306.5pp | 263.63%-238.3pp | 478.71%-453.3pp |
| Employer contribution / active EE | $3,772 | $5,298-28.8% | $4,830-21.9% | $4,838-22.0% |
| Participant deferral / active EE | $8,726 | $7,751+12.6% | $7,353+18.7% | $6,342+37.6% |
| Admin fee / account holder | $473 | $12,556-96.2% | $10,800-95.6% | $12,312-96.2% |