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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 | $254,610 | $198,457+28.3% | $170,435+49.4% | $147,586+72.5% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 13.59% | 257.30%-243.7pp | 205.94%-192.3pp | 578.59%-565.0pp |
| Employer contribution / active EE | $3,296 | $6,183-46.7% | $5,432-39.3% | $4,876-32.4% |
| Participant deferral / active EE | $8,905 | $5,629+58.2% | $4,939+80.3% | $5,439+63.7% |
| Admin fee / account holder | $6,991 | $16,852-58.5% | $13,881-49.6% | $10,886-35.8% |