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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 | $358,871 | $160,040+124.2% | $147,096+144.0% | $145,877+146.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 20.22% | 98.49%-78.3pp | 419.75%-399.5pp | 551.28%-531.1pp |
| Employer contribution / active EE | $2,523 | $5,289-52.3% | $4,936-48.9% | $4,663-45.9% |
| Participant deferral / active EE | $3,829 | $8,429-54.6% | $8,071-52.6% | $6,691-42.8% |
| Admin fee / account holder | $1,885 | $15,050-87.5% | $13,005-85.5% | $13,402-85.9% |