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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 | $345,487 | $100,911+242.4% | $90,440+282.0% | $158,966+117.3% |
| Participation rate | 81.3% | 75.0%+6.2pp | 72.7%+8.6pp | 82.0%-0.7pp |
| Annual return | 8.97% | 1726.62%-1717.6pp | 1294.38%-1285.4pp | 302.95%-294.0pp |
| Employer contribution / active EE | $3,742 | $3,690+1.4% | $3,263+14.7% | $4,762-21.4% |
| Participant deferral / active EE | $6,275 | $4,348+44.3% | $3,964+58.3% | $5,983+4.9% |
| Admin fee / account holder | $7,828 | $6,507+20.3% | $5,615+39.4% | $11,250-30.4% |