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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 | $351,292 | $176,105+99.5% | $159,474+120.3% | $167,536+109.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 74.14% | 331.91%-257.8pp | 263.68%-189.5pp | 478.82%-404.7pp |
| Employer contribution / active EE | $1,952 | $5,299-63.2% | $4,831-59.6% | $4,839-59.7% |
| Participant deferral / active EE | $15,689 | $7,751+102.4% | $7,353+113.4% | $6,342+147.4% |
| Admin fee / account holder | $7,089 | $12,559-43.6% | $10,802-34.4% | $12,315-42.4% |