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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 | $360,659 | $90,614+298.0% | $76,089+374.0% | $145,877+147.2% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 14.27% | 623.80%-609.5pp | 360.94%-346.7pp | 551.28%-537.0pp |
| Employer contribution / active EE | $4,722 | $3,324+42.0% | $2,690+75.5% | $4,663+1.3% |
| Participant deferral / active EE | $19,149 | $5,168+270.5% | $4,259+349.6% | $6,691+186.2% |
| Admin fee / account holder | $20,899 | $8,376+149.5% | $6,418+225.6% | $13,402+55.9% |