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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 | $310,839 | $102,595+203.0% | $94,057+230.5% | $154,746+100.9% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 18.59% | 583.42%-564.8pp | 480.62%-462.0pp | 172.34%-153.7pp |
| Employer contribution / active EE | $4,367 | $3,147+38.7% | $2,933+48.9% | $4,379-0.3% |
| Participant deferral / active EE | $21,168 | $5,118+313.6% | $4,709+349.5% | $6,730+214.5% |
| Admin fee / account holder | $1,034 | $7,736-86.6% | $7,244-85.7% | $14,365-92.8% |