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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 | $290,088 | $144,130+101.3% | $117,861+146.1% | $147,586+96.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 14.68% | 531.20%-516.5pp | 335.11%-320.4pp | 578.59%-563.9pp |
| Employer contribution / active EE | $7,791 | $4,897+59.1% | $3,786+105.8% | $4,876+59.8% |
| Participant deferral / active EE | $5,829 | $5,316+9.6% | $4,482+30.1% | $5,439+7.2% |
| Admin fee / account holder | $2,955 | $10,887-72.9% | $8,021-63.2% | $10,886-72.9% |