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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 | $352,877 | $88,815+297.3% | $81,882+331.0% | $145,897+141.9% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 15.51% | 1033.75%-1018.2pp | 779.47%-764.0pp | 552.29%-536.8pp |
| Employer contribution / active EE | $27,337 | $3,086+785.8% | $2,916+837.5% | $4,663+486.3% |
| Participant deferral / active EE | $13,079 | $4,647+181.4% | $4,323+202.5% | $6,689+95.5% |
| Admin fee / account holder | $2,434 | $8,434-71.1% | $7,360-66.9% | $13,390-81.8% |