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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 | $283,580 | $102,595+176.4% | $94,057+201.5% | $154,746+83.3% |
| Participation rate | 90.0% | 76.0%+14.0pp | 73.3%+16.7pp | 80.7%+9.3pp |
| Annual return | 12.14% | 583.42%-571.3pp | 480.62%-468.5pp | 172.34%-160.2pp |
| Employer contribution / active EE | $16,112 | $3,147+411.9% | $2,933+449.3% | $4,379+267.9% |
| Participant deferral / active EE | $9,431 | $5,118+84.3% | $4,709+100.3% | $6,730+40.1% |
| Admin fee / account holder | $6,069 | $7,736-21.5% | $7,244-16.2% | $14,365-57.7% |