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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 | $268,620 | $102,595+161.8% | $94,057+185.6% | $154,746+73.6% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 16.88% | 583.42%-566.5pp | 480.62%-463.7pp | 172.34%-155.5pp |
| Employer contribution / active EE | $5,399 | $3,147+71.5% | $2,933+84.1% | $4,379+23.3% |
| Participant deferral / active EE | $32,394 | $5,118+532.9% | $4,709+587.9% | $6,730+381.3% |
| Admin fee / account holder | $2,741 | $7,736-64.6% | $7,244-62.2% | $14,365-80.9% |