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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 | $406,827 | $100,938+303.0% | $90,461+349.7% | $158,982+155.9% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 24.18% | 1727.20%-1703.0pp | 1294.76%-1270.6pp | 302.99%-278.8pp |
| Employer contribution / active EE | $4,500 | $3,691+21.9% | $3,264+37.9% | $4,763-5.5% |
| Participant deferral / active EE | $10,729 | $4,350+146.7% | $3,964+170.6% | $5,983+79.3% |
| Admin fee / account holder | $10,258 | $6,510+57.6% | $5,617+82.6% | $11,252-8.8% |