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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 | $269,867 | $105,158+156.6% | $94,672+185.1% | $139,487+93.5% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 15.88% | 38.11%-22.2pp | 156.89%-141.0pp | 373.84%-358.0pp |
| Employer contribution / active EE | $10,857 | $4,107+164.3% | $3,673+195.6% | $4,755+128.3% |
| Participant deferral / active EE | $13,000 | $7,599+71.1% | $7,417+75.3% | $6,713+93.7% |
| Admin fee / account holder | $2,576 | $8,972-71.3% | $7,222-64.3% | $11,407-77.4% |