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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 | $304,902 | $171,492+77.8% | $150,734+102.3% | $198,609+53.5% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 16.19% | 804.70%-788.5pp | 600.81%-584.6pp | 202.70%-186.5pp |
| Employer contribution / active EE | $9,670 | $5,470+76.8% | $4,918+96.6% | $5,055+91.3% |
| Participant deferral / active EE | $3,932 | $6,259-37.2% | $5,610-29.9% | $6,977-43.6% |
| Admin fee / account holder | $9,248 | $17,628-47.5% | $14,905-38.0% | $19,030-51.4% |