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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 | $290,548 | $176,120+65.0% | $159,487+82.2% | $167,553+73.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 24.59% | 331.95%-307.4pp | 263.71%-239.1pp | 478.89%-454.3pp |
| Employer contribution / active EE | $2,448 | $5,299-53.8% | $4,831-49.3% | $4,840-49.4% |
| Participant deferral / active EE | $8,258 | $7,752+6.5% | $7,354+12.3% | $6,343+30.2% |
| Admin fee / account holder | $8,814 | $12,561-29.8% | $10,804-18.4% | $12,316-28.4% |