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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 | $408,988 | $150,447+171.8% | $136,298+200.1% | $147,586+177.1% |
| Participation rate | 75.0% | 84.4%-9.4pp | 81.9%-6.9pp | 82.8%-7.8pp |
| Annual return | 18.95% | 1049.15%-1030.2pp | 5156.27%-5137.3pp | 578.59%-559.6pp |
| Employer contribution / active EE | $2,024 | $5,256-61.5% | $4,696-56.9% | $4,876-58.5% |
| Participant deferral / active EE | $18,127 | $6,631+173.4% | $6,247+190.2% | $5,439+233.3% |
| Admin fee / account holder | $544 | $10,906-95.0% | $9,244-94.1% | $10,886-95.0% |