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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 | $117,859+227.1% | $102,438+276.3% | $145,959+164.1% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 703.07% | 31.72%+671.3pp | 29.37%+673.7pp | 561.95%+141.1pp |
| Employer contribution / active EE | $2,658 | $3,615-26.5% | $3,024-12.1% | $4,661-43.0% |
| Participant deferral / active EE | $5,127 | $5,732-10.6% | $5,054+1.5% | $6,689-23.3% |
| Admin fee / account holder | $7,370 | $13,318-44.7% | $9,448-22.0% | $13,398-45.0% |