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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 | $278,526 | $90,489+207.8% | $76,051+266.2% | $145,978+90.8% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 34.22% | 622.78%-588.6pp | 360.42%-326.2pp | 550.52%-516.3pp |
| Employer contribution / active EE | $4,673 | $3,319+40.8% | $2,690+73.7% | $4,662+0.2% |
| Participant deferral / active EE | $15,781 | $5,164+205.6% | $4,257+270.7% | $6,690+135.9% |
| Admin fee / account holder | $7,067 | $8,374-15.6% | $6,416+10.1% | $13,400-47.3% |