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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 | $320,021 | $28,624+1018.0% | $53,647+496.5% | $82,637+287.3% |
| Participation rate | 77.8% | 47.3%+30.5pp | 56.3%+21.5pp | 68.1%+9.7pp |
| Annual return | 95.78% | 664.98%-569.2pp | 358.33%-262.6pp | 53.51%+42.3pp |
| Employer contribution / active EE | $1,168 | $637+83.5% | $962+21.4% | $2,552-54.2% |
| Participant deferral / active EE | $2,741 | $1,196+129.1% | $1,813+51.2% | $4,126-33.6% |
| Admin fee / account holder | $4,765 | $2,022+135.7% | $2,460+93.7% | $7,339-35.1% |