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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 | $254,069 | $176,105+44.3% | $159,474+59.3% | $167,536+51.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 15.93% | 331.91%-316.0pp | 263.68%-247.7pp | 478.82%-462.9pp |
| Employer contribution / active EE | $4,861 | $5,299-8.3% | $4,831+0.6% | $4,839+0.4% |
| Participant deferral / active EE | $3,881 | $7,751-49.9% | $7,353-47.2% | $6,342-38.8% |
| Admin fee / account holder | $1,605 | $12,559-87.2% | $10,802-85.1% | $12,315-87.0% |