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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 | $272,356 | $138,075+97.3% | $123,552+120.4% | $135,379+101.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | 0.92% | 153.70%-152.8pp | 119.20%-118.3pp | 519.79%-518.9pp |
| Employer contribution / active EE | $11,570 | $5,152+124.6% | $4,628+150.0% | $4,779+142.1% |
| Participant deferral / active EE | $8,788 | $6,800+29.2% | $6,426+36.8% | $5,609+56.7% |
| Admin fee / account holder | $567 | $10,917-94.8% | $9,285-93.9% | $10,828-94.8% |