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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 | $290,062 | $88,815+226.6% | $81,882+254.2% | $145,897+98.8% |
| Participation rate | 88.2% | 75.1%+13.2pp | 72.4%+15.8pp | 80.3%+7.9pp |
| Annual return | 13.14% | 1033.75%-1020.6pp | 779.47%-766.3pp | 552.29%-539.2pp |
| Employer contribution / active EE | $0 | $3,086-100.0% | $2,916-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,400 | $4,647-5.3% | $4,323+1.8% | $6,689-34.2% |
| Admin fee / account holder | $17,492 | $8,434+107.4% | $7,360+137.7% | $13,390+30.6% |