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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 | $253,807 | $102,595+147.4% | $94,057+169.8% | $154,746+64.0% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 14.93% | 583.42%-568.5pp | 480.62%-465.7pp | 172.34%-157.4pp |
| Employer contribution / active EE | $18,890 | $3,147+500.2% | $2,933+544.0% | $4,379+331.4% |
| Participant deferral / active EE | $16,477 | $5,118+221.9% | $4,709+249.9% | $6,730+144.8% |
| Admin fee / account holder | $1,444 | $7,736-81.3% | $7,244-80.1% | $14,365-89.9% |