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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 | $275,674 | $102,663+168.5% | $86,216+219.7% | $139,466+97.7% |
| Participation rate | 71.4% | 74.5%-3.1pp | 69.0%+2.5pp | 80.3%-8.9pp |
| Annual return | 36.02% | 1924.52%-1888.5pp | 1169.42%-1133.4pp | 373.66%-337.6pp |
| Employer contribution / active EE | $2,082 | $3,035-31.4% | $2,382-12.6% | $4,754-56.2% |
| Participant deferral / active EE | $9,423 | $4,677+101.5% | $3,986+136.4% | $6,712+40.4% |
| Admin fee / account holder | $104,471 | $8,663+1106.0% | $6,853+1424.4% | $11,409+815.7% |