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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 | $317,181 | $102,595+209.2% | $94,057+237.2% | $154,746+105.0% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 57.78% | 583.42%-525.6pp | 480.62%-422.8pp | 172.34%-114.6pp |
| Employer contribution / active EE | $1,095 | $3,147-65.2% | $2,933-62.7% | $4,379-75.0% |
| Participant deferral / active EE | $26,625 | $5,118+420.2% | $4,709+465.4% | $6,730+295.6% |
| Admin fee / account holder | $888 | $7,736-88.5% | $7,244-87.7% | $14,365-93.8% |