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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 | $298,745 | $104,577+185.7% | $76,667+289.7% | $152,909+95.4% |
| Participation rate | 100.0% | 76.6%+23.4pp | 72.1%+27.9pp | 82.5%+17.5pp |
| Annual return | 16.10% | 1014.36%-998.3pp | 1166.74%-1150.6pp | 345.46%-329.4pp |
| Employer contribution / active EE | $3,430 | $3,119+10.0% | $2,303+48.9% | $4,764-28.0% |
| Participant deferral / active EE | $6,000 | $4,237+41.6% | $3,336+79.9% | $5,851+2.5% |
| Admin fee / account holder | $14,102 | $12,290+14.7% | $6,423+119.5% | $11,601+21.6% |