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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 | $385,475 | $117,895+227.0% | $102,460+276.2% | $145,897+164.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 703.07% | 31.92%+671.1pp | 29.47%+673.6pp | 552.29%+150.8pp |
| Employer contribution / active EE | $2,658 | $3,619-26.6% | $3,025-12.1% | $4,663-43.0% |
| Participant deferral / active EE | $5,127 | $5,736-10.6% | $5,056+1.4% | $6,689-23.4% |
| Admin fee / account holder | $7,370 | $13,353-44.8% | $9,460-22.1% | $13,390-45.0% |