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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 | $252,336 | $96,678+161.0% | $86,640+191.2% | $139,466+80.9% |
| Participation rate | 88.9% | 74.4%+14.5pp | 71.7%+17.2pp | 80.3%+8.6pp |
| Annual return | 17.32% | 106.69%-89.4pp | 592.52%-575.2pp | 373.66%-356.3pp |
| Employer contribution / active EE | $0 | $3,265-100.0% | $3,024-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $4,536 | $4,837-6.2% | $4,438+2.2% | $6,712-32.4% |
| Admin fee / account holder | $8,504 | $6,410+32.7% | $5,616+51.4% | $11,409-25.5% |