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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 | $366,526 | $144,130+154.3% | $117,861+211.0% | $147,586+148.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 21.95% | 531.20%-509.2pp | 335.11%-313.2pp | 578.59%-556.6pp |
| Employer contribution / active EE | $11,622 | $4,897+137.3% | $3,786+206.9% | $4,876+138.3% |
| Participant deferral / active EE | $9,264 | $5,316+74.3% | $4,482+106.7% | $5,439+70.3% |
| Admin fee / account holder | $6,740 | $10,887-38.1% | $8,021-16.0% | $10,886-38.1% |