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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 | $312,553 | $171,867+81.9% | $149,721+108.8% | $147,586+111.8% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 9.69% | 2113.36%-2103.7pp | 1501.67%-1492.0pp | 578.59%-568.9pp |
| Employer contribution / active EE | $7,220 | $6,275+15.1% | $5,444+32.6% | $4,876+48.1% |
| Participant deferral / active EE | $7,943 | $7,270+9.3% | $6,568+20.9% | $5,439+46.0% |
| Admin fee / account holder | $1,880 | $13,799-86.4% | $11,282-83.3% | $10,886-82.7% |