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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 | $259,787 | $144,130+80.2% | $117,860+120.4% | $147,585+76.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 17.63% | 531.20%-513.6pp | 335.10%-317.5pp | 578.58%-561.0pp |
| Employer contribution / active EE | $7,539 | $4,897+53.9% | $3,786+99.1% | $4,876+54.6% |
| Participant deferral / active EE | $4,310 | $5,316-18.9% | $4,482-3.8% | $5,439-20.8% |
| Admin fee / account holder | $5,171 | $10,887-52.5% | $8,021-35.5% | $10,886-52.5% |