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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 | $296,295 | $150,447+96.9% | $136,298+117.4% | $147,586+100.8% |
| Participation rate | 85.7% | 84.4%+1.3pp | 81.9%+3.8pp | 82.8%+2.9pp |
| Annual return | 16.71% | 1049.15%-1032.4pp | 5156.27%-5139.6pp | 578.59%-561.9pp |
| Employer contribution / active EE | $3,720 | $5,256-29.2% | $4,696-20.8% | $4,876-23.7% |
| Participant deferral / active EE | $7,587 | $6,631+14.4% | $6,247+21.4% | $5,439+39.5% |
| Admin fee / account holder | $43,354 | $10,906+297.5% | $9,244+369.0% | $10,886+298.3% |