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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 | $304,261 | $202,440+50.3% | $169,390+79.6% | $139,466+118.2% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 14.93% | 532.36%-517.4pp | 406.07%-391.1pp | 373.66%-358.7pp |
| Employer contribution / active EE | $39,241 | $4,693+736.2% | $4,013+877.9% | $4,754+725.4% |
| Participant deferral / active EE | $17,026 | $6,940+145.3% | $6,222+173.6% | $6,712+153.7% |
| Admin fee / account holder | $5,533 | $10,722-48.4% | $9,015-38.6% | $11,409-51.5% |