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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 | $253,222 | $138,076+83.4% | $123,553+105.0% | $135,380+87.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | 23.53% | 153.70%-130.2pp | 119.21%-95.7pp | 519.81%-496.3pp |
| Employer contribution / active EE | $3,696 | $5,152-28.3% | $4,628-20.1% | $4,779-22.7% |
| Participant deferral / active EE | $11,841 | $6,800+74.1% | $6,426+84.3% | $5,609+111.1% |
| Admin fee / account holder | $81,531 | $10,917+646.8% | $9,284+778.1% | $10,828+653.0% |