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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 | $266,180 | $134,817+97.4% | $123,973+114.7% | $155,188+71.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 11.58% | 515.49%-503.9pp | 388.13%-376.5pp | 148.84%-137.3pp |
| Employer contribution / active EE | $2,500 | $4,425-43.5% | $4,126-39.4% | $4,248-41.1% |
| Participant deferral / active EE | $0 | $5,706-100.0% | $5,247-100.0% | $6,531-100.0% |
| Admin fee / account holder | $1,682 | $13,245-87.3% | $11,799-85.7% | $14,480-88.4% |