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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 | $278,290 | $149,040+86.7% | $120,225+131.5% | $137,256+102.8% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 15.29% | 605.68%-590.4pp | 439.23%-423.9pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,399 | $4,350-44.9% | $3,475-31.0% | $4,156-42.3% |
| Participant deferral / active EE | $14,230 | $4,655+205.7% | $3,999+255.9% | $6,407+122.1% |
| Admin fee / account holder | $1,794 | $6,348-71.7% | $5,696-68.5% | $12,270-85.4% |