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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 | $319,615 | $114,093+180.1% | $96,171+232.3% | $167,536+90.8% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 17.22% | 190.00%-172.8pp | 192.04%-174.8pp | 478.82%-461.6pp |
| Employer contribution / active EE | $2,561 | $3,429-25.3% | $2,799-8.5% | $4,839-47.1% |
| Participant deferral / active EE | $9,476 | $5,197+82.4% | $4,350+117.8% | $6,342+49.4% |
| Admin fee / account holder | $3,174 | $6,899-54.0% | $5,538-42.7% | $12,315-74.2% |