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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 | $149,040+115.9% | $120,225+167.6% | $137,256+134.4% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 10.21% | 605.68%-595.5pp | 439.23%-429.0pp | 220.34%-210.1pp |
| Employer contribution / active EE | $1,625 | $4,350-62.6% | $3,475-53.2% | $4,156-60.9% |
| Participant deferral / active EE | $12,138 | $4,655+160.8% | $3,999+203.6% | $6,407+89.5% |
| Admin fee / account holder | $13,119 | $6,348+106.7% | $5,696+130.3% | $12,270+6.9% |