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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 | $268,648 | $183,988+46.0% | $162,177+65.7% | $152,897+75.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 25.07% | 150.79%-125.7pp | 115.60%-90.5pp | 345.43%-320.4pp |
| Employer contribution / active EE | $17,231 | $6,370+170.5% | $5,613+207.0% | $4,764+261.7% |
| Participant deferral / active EE | $7,549 | $8,032-6.0% | $7,297+3.5% | $5,851+29.0% |
| Admin fee / account holder | $8,980 | $13,123-31.6% | $10,843-17.2% | $11,599-22.6% |