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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 | $376,287 | $111,830+236.5% | $93,696+301.6% | $145,884+157.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 16.66% | 204.08%-187.4pp | 133.74%-117.1pp | 551.85%-535.2pp |
| Employer contribution / active EE | $7,500 | $3,093+142.5% | $2,422+209.7% | $4,662+60.9% |
| Participant deferral / active EE | $6,748 | $4,920+37.2% | $4,417+52.8% | $6,690+0.9% |
| Admin fee / account holder | $20,516 | $10,249+100.2% | $8,287+147.6% | $13,392+53.2% |