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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 | $117,846+227.1% | $102,434+276.3% | $145,884+164.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 703.07% | 31.90%+671.2pp | 29.46%+673.6pp | 551.85%+151.2pp |
| Employer contribution / active EE | $2,658 | $3,615-26.5% | $3,023-12.1% | $4,662-43.0% |
| Participant deferral / active EE | $5,127 | $5,733-10.6% | $5,055+1.4% | $6,690-23.4% |
| Admin fee / account holder | $7,370 | $13,356-44.8% | $9,462-22.1% | $13,392-45.0% |