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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 | $323,974 | $90,614+257.5% | $76,089+325.8% | $145,877+122.1% |
| Participation rate | 80.0% | 74.5%+5.5pp | 69.1%+10.9pp | 80.3%-0.3pp |
| Annual return | 13.31% | 623.80%-610.5pp | 360.94%-347.6pp | 551.28%-538.0pp |
| Employer contribution / active EE | $5,206 | $3,324+56.6% | $2,690+93.5% | $4,663+11.6% |
| Participant deferral / active EE | $9,372 | $5,168+81.3% | $4,259+120.0% | $6,691+40.1% |
| Admin fee / account holder | $75,160 | $8,376+797.3% | $6,418+1071.1% | $13,402+460.8% |