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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 | $165,399+88.5% | $149,745+108.2% | $158,982+96.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 41.77% | 348.34%-306.6pp | 276.72%-235.0pp | 302.99%-261.2pp |
| Employer contribution / active EE | $3,770 | $5,105-26.1% | $4,646-18.8% | $4,763-20.8% |
| Participant deferral / active EE | $8,667 | $7,183+20.7% | $6,843+26.6% | $5,983+44.8% |
| Admin fee / account holder | $51,055 | $10,811+372.2% | $9,312+448.3% | $11,252+353.8% |