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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 | $252,839 | $180,749+39.9% | $160,784+57.3% | $137,256+84.2% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 14.71% | 2234.46%-2219.8pp | 1803.92%-1789.2pp | 220.34%-205.6pp |
| Employer contribution / active EE | $4,382 | $4,155+5.5% | $3,733+17.4% | $4,156+5.4% |
| Participant deferral / active EE | $20,732 | $6,844+202.9% | $6,293+229.4% | $6,407+223.6% |
| Admin fee / account holder | $75,771 | $10,397+628.8% | $9,717+679.8% | $12,270+517.5% |