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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 | $261,913 | $104,251+151.2% | $91,004+187.8% | $147,586+77.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 113.07% | 27.06%+86.0pp | 4.60%+108.5pp | 578.59%-465.5pp |
| Employer contribution / active EE | $3,591 | $3,116+15.3% | $2,456+46.2% | $4,876-26.4% |
| Participant deferral / active EE | $3,726 | $4,195-11.2% | $3,548+5.0% | $5,439-31.5% |
| Admin fee / account holder | $12,357 | $8,948+38.1% | $5,417+128.1% | $10,886+13.5% |