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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 | $266,947 | $198,457+34.5% | $170,435+56.6% | $147,586+80.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 20.57% | 257.30%-236.7pp | 205.94%-185.4pp | 578.59%-558.0pp |
| Employer contribution / active EE | $22,000 | $6,183+255.8% | $5,432+305.0% | $4,876+351.1% |
| Participant deferral / active EE | $9,583 | $5,629+70.2% | $4,939+94.0% | $5,439+76.2% |
| Admin fee / account holder | $3,015 | $16,852-82.1% | $13,881-78.3% | $10,886-72.3% |