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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 | $268,133 | $124,187+115.9% | $108,410+147.3% | $167,518+60.1% |
| Participation rate | 90.5% | 82.3%+8.2pp | 80.1%+10.3pp | 82.1%+8.4pp |
| Annual return | 14.59% | 1379.80%-1365.2pp | 905.34%-890.7pp | 478.71%-464.1pp |
| Employer contribution / active EE | $1,578 | $4,187-62.3% | $3,558-55.6% | $4,838-67.4% |
| Participant deferral / active EE | $5,038 | $6,908-27.1% | $6,562-23.2% | $6,342-20.6% |
| Admin fee / account holder | $6,492 | $9,456-31.3% | $7,296-11.0% | $12,312-47.3% |