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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 | $287,792 | $88,754+224.3% | $81,820+251.7% | $145,877+97.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 9.67% | 1031.77%-1022.1pp | 777.93%-768.3pp | 551.28%-541.6pp |
| Employer contribution / active EE | $23,625 | $3,085+665.7% | $2,915+710.4% | $4,663+406.6% |
| Participant deferral / active EE | $15,250 | $4,648+228.1% | $4,323+252.8% | $6,691+127.9% |
| Admin fee / account holder | $3,064 | $8,424-63.6% | $7,391-58.5% | $13,402-77.1% |