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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 | $283,164 | $150,447+88.2% | $136,298+107.8% | $147,586+91.9% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 18.18% | 1049.15%-1031.0pp | 5156.27%-5138.1pp | 578.59%-560.4pp |
| Employer contribution / active EE | $28,348 | $5,256+439.3% | $4,696+503.7% | $4,876+481.3% |
| Participant deferral / active EE | $14,758 | $6,631+122.6% | $6,247+136.2% | $5,439+171.3% |
| Admin fee / account holder | $10,501 | $10,906-3.7% | $9,244+13.6% | $10,886-3.5% |