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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 | $356,288 | $96,691+268.5% | $86,656+311.2% | $139,487+155.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 14.58% | 106.87%-92.3pp | 593.09%-578.5pp | 373.84%-359.3pp |
| Employer contribution / active EE | $9,069 | $3,267+177.6% | $3,025+199.8% | $4,755+90.7% |
| Participant deferral / active EE | $10,340 | $4,838+113.7% | $4,439+132.9% | $6,713+54.0% |
| Admin fee / account holder | $1,993 | $6,414-68.9% | $5,619-64.5% | $11,407-82.5% |