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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 | $292,632 | $135,645+115.7% | $110,243+165.4% | $135,379+116.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | 8.47% | 513.24%-504.8pp | 314.76%-306.3pp | 519.79%-511.3pp |
| Employer contribution / active EE | $12,124 | $4,907+147.1% | $3,827+216.8% | $4,779+153.7% |
| Participant deferral / active EE | $9,901 | $5,507+79.8% | $4,672+111.9% | $5,609+76.5% |
| Admin fee / account holder | $7,368 | $11,458-35.7% | $8,548-13.8% | $10,828-32.0% |