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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 | $252,149 | $99,079+154.5% | $78,002+223.3% | $273,972-8.0% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.5%+24.5pp | 83.0%+17.0pp |
| Annual return | 3.27% | 217.93%-214.7pp | 425.99%-422.7pp | 41.46%-38.2pp |
| Employer contribution / active EE | $8,598 | $3,308+160.0% | $2,470+248.1% | $4,869+76.6% |
| Participant deferral / active EE | $4,844 | $4,306+12.5% | $3,497+38.5% | $5,287-8.4% |
| Admin fee / account holder | $4,915 | $8,954-45.1% | $5,481-10.3% | $10,133-51.5% |