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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 | $377,726 | $171,867+119.8% | $149,721+152.3% | $147,586+155.9% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 21.96% | 2113.36%-2091.4pp | 1501.67%-1479.7pp | 578.59%-556.6pp |
| Employer contribution / active EE | $10,224 | $6,275+62.9% | $5,444+87.8% | $4,876+109.7% |
| Participant deferral / active EE | $10,500 | $7,270+44.4% | $6,568+59.9% | $5,439+93.1% |
| Admin fee / account holder | $4,653 | $13,799-66.3% | $11,282-58.8% | $10,886-57.3% |