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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 | $279,759 | $109,905+154.5% | $98,506+184.0% | $167,553+67.0% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 23.58% | 1960.20%-1936.6pp | 1494.92%-1471.3pp | 478.89%-455.3pp |
| Employer contribution / active EE | $7,870 | $3,226+144.0% | $2,961+165.8% | $4,840+62.6% |
| Participant deferral / active EE | $11,112 | $4,674+137.7% | $4,277+159.8% | $6,343+75.2% |
| Admin fee / account holder | $3,350 | $6,760-50.4% | $5,955-43.7% | $12,316-72.8% |