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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 | $420,844 | $106,001+297.0% | $92,235+356.3% | $147,585+185.2% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 13.57% | 50.05%-36.5pp | 176.28%-162.7pp | 578.56%-565.0pp |
| Employer contribution / active EE | $7,347 | $4,333+69.6% | $3,679+99.7% | $4,876+50.7% |
| Participant deferral / active EE | $7,752 | $4,478+73.1% | $3,897+98.9% | $5,439+42.5% |
| Admin fee / account holder | $3,750 | $6,332-40.8% | $5,194-27.8% | $10,885-65.6% |