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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 | $280,883 | $150,446+86.7% | $136,297+106.1% | $147,585+90.3% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 15.58% | 1049.14%-1033.6pp | 5156.19%-5140.6pp | 578.58%-563.0pp |
| Employer contribution / active EE | $2,518 | $5,256-52.1% | $4,696-46.4% | $4,876-48.4% |
| Participant deferral / active EE | $10,848 | $6,631+63.6% | $6,247+73.6% | $5,439+99.5% |
| Admin fee / account holder | $2,146 | $10,906-80.3% | $9,244-76.8% | $10,886-80.3% |