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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 | $260,994 | $202,440+28.9% | $169,390+54.1% | $139,466+87.1% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 15.93% | 532.36%-516.4pp | 406.07%-390.1pp | 373.66%-357.7pp |
| Employer contribution / active EE | $3,000 | $4,693-36.1% | $4,013-25.2% | $4,754-36.9% |
| Participant deferral / active EE | $26,250 | $6,940+278.2% | $6,222+321.9% | $6,712+291.1% |
| Admin fee / account holder | $1,004 | $10,722-90.6% | $9,015-88.9% | $11,409-91.2% |