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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 | $255,641 | $176,105+45.2% | $159,474+60.3% | $167,536+52.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 20.75% | 331.91%-311.2pp | 263.68%-242.9pp | 478.82%-458.1pp |
| Employer contribution / active EE | $11,035 | $5,299+108.3% | $4,831+128.4% | $4,839+128.0% |
| Participant deferral / active EE | $11,346 | $7,751+46.4% | $7,353+54.3% | $6,342+78.9% |
| Admin fee / account holder | $5,429 | $12,559-56.8% | $10,802-49.7% | $12,315-55.9% |