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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 | $291,573 | $155,840+87.1% | $124,694+133.8% | $167,553+74.0% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | 19.09% | 17.98%+1.1pp | 5144.82%-5125.7pp | 478.89%-459.8pp |
| Employer contribution / active EE | $3,735 | $4,165-10.3% | $3,325+12.3% | $4,840-22.8% |
| Participant deferral / active EE | $9,056 | $5,675+59.6% | $4,615+96.2% | $6,343+42.8% |
| Admin fee / account holder | $38,425 | $9,536+303.0% | $7,495+412.7% | $12,316+212.0% |