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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 | $268,839 | $176,688+52.2% | $130,660+105.8% | $152,897+75.8% |
| Participation rate | 100.0% | 79.0%+21.0pp | 71.7%+28.3pp | 82.5%+17.5pp |
| Annual return | 26.43% | 2693.08%-2666.7pp | 1709.29%-1682.9pp | 345.43%-319.0pp |
| Employer contribution / active EE | $4,506 | $5,743-21.5% | $4,092+10.1% | $4,764-5.4% |
| Participant deferral / active EE | $8,100 | $4,362+85.7% | $3,603+124.8% | $5,851+38.4% |
| Admin fee / account holder | $3,598 | $7,131-49.5% | $5,463-34.1% | $11,599-69.0% |