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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 | $312,698 | $202,326+54.6% | $172,745+81.0% | $152,870+104.6% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.4%+17.6pp |
| Annual return | 25.79% | 1029.72%-1003.9pp | 802.90%-777.1pp | 345.34%-319.6pp |
| Employer contribution / active EE | $3,949 | $5,858-32.6% | $5,144-23.2% | $4,763-17.1% |
| Participant deferral / active EE | $0 | $5,948-100.0% | $5,197-100.0% | $5,850-100.0% |
| Admin fee / account holder | $79,730 | $17,110+366.0% | $13,954+471.4% | $11,597+587.5% |