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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 | $377,742 | $150,435+151.1% | $120,580+213.3% | $145,897+158.9% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 11.10% | 154.60%-143.5pp | 107.48%-96.4pp | 552.29%-541.2pp |
| Employer contribution / active EE | $29,914 | $4,352+587.3% | $3,469+762.3% | $4,663+541.6% |
| Participant deferral / active EE | $14,632 | $6,174+137.0% | $4,995+192.9% | $6,689+118.7% |
| Admin fee / account holder | $6,928 | $12,182-43.1% | $9,418-26.4% | $13,390-48.3% |