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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 | $316,422 | $180,749+75.1% | $160,784+96.8% | $137,256+130.5% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 12.84% | 2234.46%-2221.6pp | 1803.92%-1791.1pp | 220.34%-207.5pp |
| Employer contribution / active EE | $14,286 | $4,155+243.8% | $3,733+282.7% | $4,156+243.7% |
| Participant deferral / active EE | $23,703 | $6,844+246.3% | $6,293+276.7% | $6,407+270.0% |
| Admin fee / account holder | $8,400 | $10,397-19.2% | $9,717-13.6% | $12,270-31.5% |