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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 | $372,848 | $96,678+285.7% | $86,640+330.3% | $139,466+167.3% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 27.73% | 106.69%-79.0pp | 592.52%-564.8pp | 373.66%-345.9pp |
| Employer contribution / active EE | $18,342 | $3,265+461.7% | $3,024+506.5% | $4,754+285.8% |
| Participant deferral / active EE | $12,968 | $4,837+168.1% | $4,438+192.2% | $6,712+93.2% |
| Admin fee / account holder | $20,925 | $6,410+226.4% | $5,616+272.6% | $11,409+83.4% |