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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 | $543,144 | $109,411+396.4% | $89,435+507.3% | $158,982+241.6% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 13.03% | 345.68%-332.6pp | 245.55%-232.5pp | 302.99%-290.0pp |
| Employer contribution / active EE | $10,377 | $3,173+227.1% | $2,587+301.1% | $4,763+117.9% |
| Participant deferral / active EE | $16,952 | $4,600+268.5% | $3,890+335.7% | $5,983+183.3% |
| Admin fee / account holder | $5,902 | $6,159-4.2% | $4,884+20.8% | $11,252-47.5% |