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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 | $298,073 | $90,489+229.4% | $76,051+291.9% | $145,978+104.2% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 10.52% | 622.78%-612.3pp | 360.42%-349.9pp | 550.52%-540.0pp |
| Employer contribution / active EE | $10,604 | $3,319+219.4% | $2,690+294.2% | $4,662+127.5% |
| Participant deferral / active EE | $15,278 | $5,164+195.8% | $4,257+258.9% | $6,690+128.4% |
| Admin fee / account holder | $3,269 | $8,374-61.0% | $6,416-49.1% | $13,400-75.6% |