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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 | $294,215 | $180,749+62.8% | $160,784+83.0% | $137,256+114.4% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 16.52% | 2234.46%-2217.9pp | 1803.92%-1787.4pp | 220.34%-203.8pp |
| Employer contribution / active EE | $4,884 | $4,155+17.5% | $3,733+30.8% | $4,156+17.5% |
| Participant deferral / active EE | $13,538 | $6,844+97.8% | $6,293+115.1% | $6,407+111.3% |
| Admin fee / account holder | $25,488 | $10,397+145.1% | $9,717+162.3% | $12,270+107.7% |