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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 | $321,730 | $234,190+37.4% | $180,320+78.4% | $198,609+62.0% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.5%+28.5pp | 82.4%+17.6pp |
| Annual return | 10.21% | 1057.44%-1047.2pp | 778.54%-768.3pp | 202.70%-192.5pp |
| Employer contribution / active EE | $1,625 | $5,258-69.1% | $4,108-60.4% | $5,055-67.9% |
| Participant deferral / active EE | $12,138 | $4,988+143.3% | $4,304+182.0% | $6,977+74.0% |
| Admin fee / account holder | $13,119 | $12,558+4.5% | $10,000+31.2% | $19,030-31.1% |