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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 | $267,122 | $88,815+200.8% | $81,882+226.2% | $145,897+83.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 11.60% | 1033.75%-1022.2pp | 779.47%-767.9pp | 552.29%-540.7pp |
| Employer contribution / active EE | $11,657 | $3,086+277.7% | $2,916+299.8% | $4,663+150.0% |
| Participant deferral / active EE | $13,533 | $4,647+191.2% | $4,323+213.0% | $6,689+102.3% |
| Admin fee / account holder | $1,179 | $8,434-86.0% | $7,360-84.0% | $13,390-91.2% |