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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 | $371,311 | $106,008+250.3% | $92,240+302.5% | $147,586+151.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 18.59% | 50.05%-31.5pp | 176.29%-157.7pp | 578.59%-560.0pp |
| Employer contribution / active EE | $10,770 | $4,333+148.5% | $3,680+192.7% | $4,876+120.9% |
| Participant deferral / active EE | $8,934 | $4,478+99.5% | $3,897+129.2% | $5,439+64.3% |
| Admin fee / account holder | $2,114 | $6,333-66.6% | $5,194-59.3% | $10,886-80.6% |