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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 | $257,958 | $160,059+61.2% | $140,019+84.2% | $135,380+90.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | 1.23% | 911.48%-910.2pp | 651.17%-649.9pp | 519.81%-518.6pp |
| Employer contribution / active EE | $13,934 | $6,420+117.1% | $5,605+148.6% | $4,779+191.6% |
| Participant deferral / active EE | $15,368 | $7,641+101.1% | $6,927+121.9% | $5,609+174.0% |
| Admin fee / account holder | $3,980 | $13,328-70.1% | $10,705-62.8% | $10,828-63.2% |