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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 | $252,950 | $175,259+44.3% | $149,723+68.9% | $139,487+81.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.69% | 166.82%-151.1pp | 134.50%-118.8pp | 373.84%-358.2pp |
| Employer contribution / active EE | $4,560 | $5,478-16.8% | $4,821-5.4% | $4,755-4.1% |
| Participant deferral / active EE | $20,303 | $6,522+211.3% | $5,682+257.3% | $6,713+202.5% |
| Admin fee / account holder | $3,211 | $16,158-80.1% | $13,215-75.7% | $11,407-71.9% |