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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 | $386,849 | $144,130+168.4% | $117,861+228.2% | $147,586+162.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 13.72% | 531.20%-517.5pp | 335.11%-321.4pp | 578.59%-564.9pp |
| Employer contribution / active EE | $3,589 | $4,897-26.7% | $3,786-5.2% | $4,876-26.4% |
| Participant deferral / active EE | $9,071 | $5,316+70.6% | $4,482+102.4% | $5,439+66.8% |
| Admin fee / account holder | $79,523 | $10,887+630.5% | $8,021+891.5% | $10,886+630.5% |