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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 | $280,812 | $184,000+52.6% | $162,185+73.1% | $152,909+83.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 22.27% | 150.80%-128.5pp | 115.61%-93.3pp | 345.46%-323.2pp |
| Employer contribution / active EE | $4,722 | $6,370-25.9% | $5,613-15.9% | $4,764-0.9% |
| Participant deferral / active EE | $6,663 | $8,033-17.1% | $7,297-8.7% | $5,851+13.9% |
| Admin fee / account holder | $37,078 | $13,124+182.5% | $10,844+241.9% | $11,601+219.6% |