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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 | $268,507 | $121,701+120.6% | $104,639+156.6% | $158,982+68.9% |
| Participation rate | 100.0% | 77.5%+22.5pp | 74.1%+25.9pp | 82.0%+18.0pp |
| Annual return | 23.28% | 465.72%-442.4pp | 340.67%-317.4pp | 302.99%-279.7pp |
| Employer contribution / active EE | $10,800 | $3,165+241.2% | $2,682+302.7% | $4,763+126.8% |
| Participant deferral / active EE | $10,229 | $4,176+144.9% | $3,738+173.6% | $5,983+70.9% |
| Admin fee / account holder | $3,122 | $7,778-59.9% | $6,465-51.7% | $11,252-72.3% |