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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 | $269,252 | $99,009+171.9% | $86,581+211.0% | $147,585+82.4% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 22.07% | 1312.70%-1290.6pp | 965.06%-943.0pp | 578.58%-556.5pp |
| Employer contribution / active EE | $3,486 | $3,132+11.3% | $2,840+22.8% | $4,876-28.5% |
| Participant deferral / active EE | $9,109 | $3,972+129.3% | $3,609+152.4% | $5,439+67.5% |
| Admin fee / account holder | $1,248 | $5,709-78.1% | $4,904-74.6% | $10,886-88.5% |