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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 | $338,067 | $88,778+280.8% | $81,844+313.1% | $145,884+131.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 22.09% | 1033.03%-1010.9pp | 778.87%-756.8pp | 551.85%-529.8pp |
| Employer contribution / active EE | $1,999 | $3,087-35.3% | $2,916-31.5% | $4,662-57.1% |
| Participant deferral / active EE | $8,071 | $4,648+73.6% | $4,323+86.7% | $6,690+20.6% |
| Admin fee / account holder | $3,957 | $8,430-53.1% | $7,355-46.2% | $13,392-70.5% |