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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 | $376,247 | $175,231+114.7% | $149,696+151.3% | $139,466+169.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 35.99% | 166.77%-130.8pp | 134.46%-98.5pp | 373.66%-337.7pp |
| Employer contribution / active EE | $8,404 | $5,478+53.4% | $4,821+74.3% | $4,754+76.8% |
| Participant deferral / active EE | $5,217 | $6,521-20.0% | $5,682-8.2% | $6,712-22.3% |
| Admin fee / account holder | $9,212 | $16,155-43.0% | $13,212-30.3% | $11,409-19.3% |