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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 | $352,236 | $99,011+255.8% | $86,582+306.8% | $147,586+138.7% |
| Participation rate | 92.9% | 76.3%+16.5pp | 73.5%+19.3pp | 82.8%+10.0pp |
| Annual return | 15.49% | 1312.75%-1297.3pp | 965.08%-949.6pp | 578.59%-563.1pp |
| Employer contribution / active EE | $3,435 | $3,132+9.7% | $2,839+21.0% | $4,876-29.6% |
| Participant deferral / active EE | $6,306 | $3,972+58.7% | $3,609+74.7% | $5,439+15.9% |
| Admin fee / account holder | $1,257 | $5,709-78.0% | $4,904-74.4% | $10,886-88.5% |