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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 | $258,259 | $109,872+135.1% | $98,483+162.2% | $167,536+54.2% |
| Participation rate | 90.9% | 75.8%+15.1pp | 73.3%+17.6pp | 82.1%+8.8pp |
| Annual return | 19.91% | 1959.31%-1939.4pp | 1494.38%-1474.5pp | 478.82%-458.9pp |
| Employer contribution / active EE | $6,960 | $3,225+115.8% | $2,961+135.1% | $4,839+43.8% |
| Participant deferral / active EE | $8,372 | $4,673+79.1% | $4,276+95.8% | $6,342+32.0% |
| Admin fee / account holder | $18,874 | $6,757+179.3% | $5,953+217.1% | $12,315+53.3% |