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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 | $261,105 | $177,353+47.2% | $158,226+65.0% | $198,609+31.5% |
| Participation rate | 100.0% | 77.0%+23.0pp | 74.8%+25.2pp | 82.4%+17.6pp |
| Annual return | 15.69% | 599.50%-583.8pp | 501.41%-485.7pp | 202.70%-187.0pp |
| Employer contribution / active EE | $11,488 | $3,239+254.7% | $2,986+284.8% | $5,055+127.3% |
| Participant deferral / active EE | $12,983 | $4,615+181.3% | $4,317+200.8% | $6,977+86.1% |
| Admin fee / account holder | $9,467 | $10,960-13.6% | $10,217-7.3% | $19,030-50.3% |