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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 | $253,897 | $125,190+102.8% | $105,624+140.4% | $145,897+74.0% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 11.87% | 225.22%-213.3pp | 116.20%-104.3pp | 552.29%-540.4pp |
| Employer contribution / active EE | $8,377 | $3,720+125.2% | $3,168+164.4% | $4,663+79.7% |
| Participant deferral / active EE | $9,715 | $5,716+70.0% | $5,013+93.8% | $6,689+45.2% |
| Admin fee / account holder | $12,487 | $17,138-27.1% | $10,961+13.9% | $13,390-6.7% |