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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 | $275,638 | $102,696+168.4% | $86,235+219.6% | $139,487+97.6% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.0%+31.0pp | 80.3%+19.7pp |
| Annual return | 29.32% | 1925.91%-1896.6pp | 1170.03%-1140.7pp | 373.84%-344.5pp |
| Employer contribution / active EE | $3,625 | $3,034+19.5% | $2,381+52.3% | $4,755-23.8% |
| Participant deferral / active EE | $4,779 | $4,679+2.1% | $3,987+19.9% | $6,713-28.8% |
| Admin fee / account holder | $1,470 | $8,667-83.0% | $6,856-78.6% | $11,407-87.1% |