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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 | $284,366 | $171,867+65.5% | $149,721+89.9% | $147,586+92.7% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 18.72% | 2113.36%-2094.6pp | 1501.67%-1483.0pp | 578.59%-559.9pp |
| Employer contribution / active EE | $4,147 | $6,275-33.9% | $5,444-23.8% | $4,876-15.0% |
| Participant deferral / active EE | $9,776 | $7,270+34.5% | $6,568+48.8% | $5,439+79.8% |
| Admin fee / account holder | $1,884 | $13,799-86.3% | $11,282-83.3% | $10,886-82.7% |