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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 | $273,409 | $88,815+207.8% | $81,882+233.9% | $145,897+87.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 15.01% | 1033.75%-1018.7pp | 779.47%-764.5pp | 552.29%-537.3pp |
| Employer contribution / active EE | $4,107 | $3,086+33.1% | $2,916+40.9% | $4,663-11.9% |
| Participant deferral / active EE | $7,358 | $4,647+58.3% | $4,323+70.2% | $6,689+10.0% |
| Admin fee / account holder | $11,043 | $8,434+30.9% | $7,360+50.1% | $13,390-17.5% |