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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 | $401,516 | $102,595+291.4% | $94,057+326.9% | $154,746+159.5% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 14.33% | 583.42%-569.1pp | 480.62%-466.3pp | 172.34%-158.0pp |
| Employer contribution / active EE | $2,268 | $3,147-27.9% | $2,933-22.7% | $4,379-48.2% |
| Participant deferral / active EE | $13,303 | $5,118+159.9% | $4,709+182.5% | $6,730+97.7% |
| Admin fee / account holder | $9,790 | $7,736+26.6% | $7,244+35.1% | $14,365-31.8% |