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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 | $292,842 | $125,190+133.9% | $105,624+177.2% | $145,897+100.7% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 10.74% | 225.22%-214.5pp | 116.20%-105.5pp | 552.29%-541.5pp |
| Employer contribution / active EE | $5,152 | $3,720+38.5% | $3,168+62.6% | $4,663+10.5% |
| Participant deferral / active EE | $4,765 | $5,716-16.6% | $5,013-4.9% | $6,689-28.8% |
| Admin fee / account holder | $7,996 | $17,138-53.3% | $10,961-27.1% | $13,390-40.3% |