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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 | $311,808 | $165,361+88.6% | $149,715+108.3% | $158,950+96.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 41.77% | 348.24%-306.5pp | 276.66%-234.9pp | 302.91%-261.1pp |
| Employer contribution / active EE | $3,770 | $5,103-26.1% | $4,645-18.8% | $4,762-20.8% |
| Participant deferral / active EE | $8,667 | $7,182+20.7% | $6,842+26.7% | $5,983+44.9% |
| Admin fee / account holder | $51,055 | $10,808+372.4% | $9,310+448.4% | $11,248+353.9% |