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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 | $372,501 | $168,635+120.9% | $147,617+152.3% | $125,389+197.1% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | 0.10% | 77.65%-77.5pp | 61.98%-61.9pp | 282.24%-282.1pp |
| Employer contribution / active EE | $17,952 | $6,252+187.1% | $5,564+222.6% | $4,866+268.9% |
| Participant deferral / active EE | $9,420 | $5,507+71.1% | $4,895+92.4% | $5,352+76.0% |
| Admin fee / account holder | $13,315 | $13,580-2.0% | $11,612+14.7% | $9,541+39.6% |