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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 | $399,792 | $90,614+341.2% | $76,089+425.4% | $145,877+174.1% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 12.84% | 623.80%-611.0pp | 360.94%-348.1pp | 551.28%-538.4pp |
| Employer contribution / active EE | $3,700 | $3,324+11.3% | $2,690+37.6% | $4,663-20.6% |
| Participant deferral / active EE | $15,559 | $5,168+201.1% | $4,259+265.3% | $6,691+132.5% |
| Admin fee / account holder | $1,433 | $8,376-82.9% | $6,418-77.7% | $13,402-89.3% |