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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 | $303,442 | $87,542+246.6% | $75,782+300.4% | $125,393+142.0% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | 228.85% | 13.48%+215.4pp | 9.68%+219.2pp | 282.23%-53.4pp |
| Employer contribution / active EE | $15,944 | $3,930+305.7% | $3,323+379.8% | $4,866+227.7% |
| Participant deferral / active EE | $5,881 | $4,229+39.0% | $3,652+61.0% | $5,351+9.9% |
| Admin fee / account holder | $41,319 | $6,502+535.5% | $5,300+679.7% | $9,541+333.1% |