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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 | $96,678+213.6% | $86,640+250.0% | $139,466+117.4% |
| Participation rate | 94.1% | 74.4%+19.7pp | 71.7%+22.4pp | 80.3%+13.8pp |
| Annual return | 16.92% | 106.69%-89.8pp | 592.52%-575.6pp | 373.66%-356.7pp |
| Employer contribution / active EE | $9,489 | $3,265+190.6% | $3,024+213.8% | $4,754+99.6% |
| Participant deferral / active EE | $17,180 | $4,837+255.2% | $4,438+287.1% | $6,712+156.0% |
| Admin fee / account holder | $4,681 | $6,410-27.0% | $5,616-16.6% | $11,409-59.0% |