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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 | $324,843 | $142,409+128.1% | $119,634+171.5% | $134,545+141.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | 321.04% | -12.46%+333.5pp | -14.98%+336.0pp | 418.37%-97.3pp |
| Employer contribution / active EE | $14,308 | $5,224+173.9% | $4,232+238.1% | $4,742+201.8% |
| Participant deferral / active EE | $6,750 | $6,468+4.4% | $5,601+20.5% | $6,401+5.4% |
| Admin fee / account holder | $4,000 | $13,594-70.6% | $10,329-61.3% | $11,431-65.0% |