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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 | $412,183 | $198,462+107.7% | $170,439+141.8% | $147,585+179.3% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 14.42% | 257.30%-242.9pp | 205.94%-191.5pp | 578.58%-564.2pp |
| Employer contribution / active EE | $2,656 | $6,184-57.0% | $5,433-51.1% | $4,876-45.5% |
| Participant deferral / active EE | $8,104 | $5,629+44.0% | $4,939+64.1% | $5,439+49.0% |
| Admin fee / account holder | $15,537 | $16,852-7.8% | $13,881+11.9% | $10,886+42.7% |