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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 | $303,199 | $96,643+213.7% | $86,617+250.0% | $139,456+117.4% |
| Participation rate | 94.1% | 74.4%+19.7pp | 71.7%+22.4pp | 80.3%+13.8pp |
| Annual return | 16.92% | 106.57%-89.7pp | 591.91%-575.0pp | 373.45%-356.5pp |
| Employer contribution / active EE | $9,489 | $3,264+190.7% | $3,023+213.9% | $4,753+99.7% |
| Participant deferral / active EE | $17,180 | $4,835+255.3% | $4,437+287.2% | $6,711+156.0% |
| Admin fee / account holder | $4,681 | $6,406-26.9% | $5,613-16.6% | $11,407-59.0% |