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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 | $320,433 | $150,445+113.0% | $136,297+135.1% | $147,585+117.1% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 12.40% | 1049.14%-1036.7pp | 5156.16%-5143.8pp | 578.57%-566.2pp |
| Employer contribution / active EE | $2,470 | $5,256-53.0% | $4,696-47.4% | $4,876-49.4% |
| Participant deferral / active EE | $18,025 | $6,631+171.8% | $6,247+188.5% | $5,439+231.4% |
| Admin fee / account holder | $3,750 | $10,906-65.6% | $9,244-59.4% | $10,885-65.6% |