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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 | $400,849 | $180,749+121.8% | $160,784+149.3% | $137,256+192.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 14.84% | 2234.46%-2219.6pp | 1803.92%-1789.1pp | 220.34%-205.5pp |
| Employer contribution / active EE | $2,065 | $4,155-50.3% | $3,733-44.7% | $4,156-50.3% |
| Participant deferral / active EE | $12,615 | $6,844+84.3% | $6,293+100.5% | $6,407+96.9% |
| Admin fee / account holder | $435 | $10,397-95.8% | $9,717-95.5% | $12,270-96.5% |