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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 | $337,452 | $114,073+195.8% | $96,161+250.9% | $167,518+101.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 13.90% | 189.95%-176.0pp | 192.01%-178.1pp | 478.71%-464.8pp |
| Employer contribution / active EE | $18,164 | $3,428+429.8% | $2,798+549.1% | $4,838+275.4% |
| Participant deferral / active EE | $15,803 | $5,195+204.2% | $4,349+263.3% | $6,342+149.2% |
| Admin fee / account holder | $47,820 | $6,899+593.1% | $5,538+763.4% | $12,312+288.4% |