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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 | $307,242 | $109,905+179.6% | $98,506+211.9% | $167,553+83.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 14.78% | 1960.20%-1945.4pp | 1494.92%-1480.1pp | 478.89%-464.1pp |
| Employer contribution / active EE | $23,415 | $3,226+625.8% | $2,961+690.7% | $4,840+383.8% |
| Participant deferral / active EE | $17,875 | $4,674+282.4% | $4,277+317.9% | $6,343+181.8% |
| Admin fee / account holder | $10,594 | $6,760+56.7% | $5,955+77.9% | $12,316-14.0% |