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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 | $250,065 | $102,696+143.5% | $86,235+190.0% | $139,487+79.3% |
| Participation rate | 83.3% | 74.5%+8.8pp | 69.0%+14.4pp | 80.3%+3.0pp |
| Annual return | 16.37% | 1925.91%-1909.5pp | 1170.03%-1153.7pp | 373.84%-357.5pp |
| Employer contribution / active EE | $11,246 | $3,034+270.6% | $2,381+372.3% | $4,755+136.5% |
| Participant deferral / active EE | $8,218 | $4,679+75.6% | $3,987+106.1% | $6,713+22.4% |
| Admin fee / account holder | $2,327 | $8,667-73.2% | $6,856-66.1% | $11,407-79.6% |