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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 | $329,556 | $171,867+91.8% | $149,721+120.1% | $147,586+123.3% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 12.10% | 2113.36%-2101.3pp | 1501.67%-1489.6pp | 578.59%-566.5pp |
| Employer contribution / active EE | $4,069 | $6,275-35.2% | $5,444-25.3% | $4,876-16.6% |
| Participant deferral / active EE | $7,276 | $7,270+0.1% | $6,568+10.8% | $5,439+33.8% |
| Admin fee / account holder | $8,000 | $13,799-42.0% | $11,282-29.1% | $10,886-26.5% |