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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 | $290,071 | $96,419+200.8% | $80,648+259.7% | $139,487+108.0% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | 31.65% | 1352.86%-1321.2pp | 937.21%-905.6pp | 373.84%-342.2pp |
| Employer contribution / active EE | $2,622 | $3,261-19.6% | $2,724-3.7% | $4,755-44.9% |
| Participant deferral / active EE | $15,950 | $5,225+205.2% | $4,443+259.0% | $6,713+137.6% |
| Admin fee / account holder | $2,394 | $6,605-63.8% | $5,382-55.5% | $11,407-79.0% |