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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 | $303,088 | $102,595+195.4% | $94,057+222.2% | $154,746+95.9% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 17.55% | 583.42%-565.9pp | 480.62%-463.1pp | 172.34%-154.8pp |
| Employer contribution / active EE | $4,760 | $3,147+51.2% | $2,933+62.3% | $4,379+8.7% |
| Participant deferral / active EE | $32,025 | $5,118+525.7% | $4,709+580.0% | $6,730+375.8% |
| Admin fee / account holder | $1,168 | $7,736-84.9% | $7,244-83.9% | $14,365-91.9% |