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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 | $264,273 | $96,388+174.2% | $80,627+227.8% | $139,466+89.5% |
| Participation rate | 80.0% | 73.6%+6.4pp | 67.0%+13.0pp | 80.3%-0.3pp |
| Annual return | 12.28% | 1352.08%-1339.8pp | 936.76%-924.5pp | 373.66%-361.4pp |
| Employer contribution / active EE | $15,217 | $3,260+366.8% | $2,723+458.9% | $4,754+220.1% |
| Participant deferral / active EE | $18,932 | $5,224+262.4% | $4,443+326.1% | $6,712+182.1% |
| Admin fee / account holder | $54,539 | $6,603+726.0% | $5,381+913.6% | $11,409+378.0% |