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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 | $271,608 | $171,492+58.4% | $150,734+80.2% | $198,609+36.8% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 30.03% | 804.70%-774.7pp | 600.81%-570.8pp | 202.70%-172.7pp |
| Employer contribution / active EE | $9,362 | $5,470+71.2% | $4,918+90.4% | $5,055+85.2% |
| Participant deferral / active EE | $23,250 | $6,259+271.5% | $5,610+314.5% | $6,977+233.2% |
| Admin fee / account holder | $4,648 | $17,628-73.6% | $14,905-68.8% | $19,030-75.6% |