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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 | $301,383 | $226,135+33.3% | $182,558+65.1% | $152,909+97.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 13.51% | 192.60%-179.1pp | 148.59%-135.1pp | 345.46%-332.0pp |
| Employer contribution / active EE | $37,000 | $4,979+643.1% | $4,076+807.7% | $4,764+676.7% |
| Participant deferral / active EE | $19,000 | $6,371+198.2% | $5,526+243.8% | $5,851+224.7% |
| Admin fee / account holder | $1,415 | $10,707-86.8% | $8,594-83.5% | $11,601-87.8% |