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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 | $270,163 | $78,423+244.5% | $95,964+181.5% | $79,856+238.3% |
| Participation rate | 94.1% | 73.5%+20.6pp | 77.1%+17.0pp | 69.6%+24.5pp |
| Annual return | 660.14% | 19.37%+640.8pp | 91.64%+568.5pp | 31.71%+628.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,231 | $3,440+23.0% | $4,167+1.5% | $3,741+13.1% |
| Admin fee / account holder | $188,758 | $5,622+3257.7% | $6,797+2677.0% | $5,306+3457.1% |