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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 | $281,314 | $106,008+165.4% | $92,240+205.0% | $147,586+90.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 22.89% | 50.05%-27.2pp | 176.29%-153.4pp | 578.59%-555.7pp |
| Employer contribution / active EE | $8,617 | $4,333+98.9% | $3,680+134.2% | $4,876+76.7% |
| Participant deferral / active EE | $7,875 | $4,478+75.8% | $3,897+102.1% | $5,439+44.8% |
| Admin fee / account holder | $22,458 | $6,333+254.6% | $5,194+332.4% | $10,886+106.3% |