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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 | $270,048 | $72,071+274.7% | $68,368+295.0% | $137,256+96.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 19.83% | 353.14%-333.3pp | 292.57%-272.7pp | 220.34%-200.5pp |
| Employer contribution / active EE | $8,845 | $2,788+217.2% | $2,649+233.9% | $4,156+112.8% |
| Participant deferral / active EE | $5,972 | $4,410+35.4% | $4,123+44.8% | $6,407-6.8% |
| Admin fee / account holder | $1,190 | $5,336-77.7% | $5,150-76.9% | $12,270-90.3% |