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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 | $465,589 | $171,867+170.9% | $149,721+211.0% | $147,586+215.5% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 12.40% | 2113.36%-2101.0pp | 1501.67%-1489.3pp | 578.59%-566.2pp |
| Employer contribution / active EE | $2,424 | $6,275-61.4% | $5,444-55.5% | $4,876-50.3% |
| Participant deferral / active EE | $6,750 | $7,270-7.1% | $6,568+2.8% | $5,439+24.1% |
| Admin fee / account holder | $13,980 | $13,799+1.3% | $11,282+23.9% | $10,886+28.4% |