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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 | $288,574 | $90,691+218.2% | $76,119+279.1% | $145,884+97.8% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 12.02% | 624.52%-612.5pp | 361.25%-349.2pp | 551.85%-539.8pp |
| Employer contribution / active EE | $7,276 | $3,329+118.6% | $2,693+170.2% | $4,662+56.1% |
| Participant deferral / active EE | $10,708 | $5,167+107.2% | $4,259+151.4% | $6,690+60.1% |
| Admin fee / account holder | $3,789 | $8,383-54.8% | $6,421-41.0% | $13,392-71.7% |