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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 | $367,951 | $99,011+271.6% | $86,582+325.0% | $147,586+149.3% |
| Participation rate | 88.9% | 76.3%+12.5pp | 73.5%+15.3pp | 82.8%+6.1pp |
| Annual return | 19.50% | 1312.75%-1293.2pp | 965.08%-945.6pp | 578.59%-559.1pp |
| Employer contribution / active EE | $22,690 | $3,132+624.4% | $2,839+699.1% | $4,876+365.3% |
| Participant deferral / active EE | $14,072 | $3,972+254.2% | $3,609+290.0% | $5,439+158.7% |
| Admin fee / account holder | $19,842 | $5,709+247.6% | $4,904+304.6% | $10,886+82.3% |