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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 | $297,442 | $100,938+194.7% | $90,461+228.8% | $158,982+87.1% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 13.84% | 1727.20%-1713.4pp | 1294.76%-1280.9pp | 302.99%-289.2pp |
| Employer contribution / active EE | $14,559 | $3,691+294.4% | $3,264+346.1% | $4,763+205.7% |
| Participant deferral / active EE | $10,626 | $4,350+144.3% | $3,964+168.0% | $5,983+77.6% |
| Admin fee / account holder | $1,143 | $6,510-82.4% | $5,617-79.7% | $11,252-89.8% |