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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 | $333,881 | $171,867+94.3% | $149,721+123.0% | $147,586+126.2% |
| Participation rate | 92.3% | 88.2%+4.1pp | 87.1%+5.2pp | 82.8%+9.5pp |
| Annual return | 11.05% | 2113.36%-2102.3pp | 1501.67%-1490.6pp | 578.59%-567.5pp |
| Employer contribution / active EE | $15,700 | $6,275+150.2% | $5,444+188.4% | $4,876+222.0% |
| Participant deferral / active EE | $6,097 | $7,270-16.1% | $6,568-7.2% | $5,439+12.1% |
| Admin fee / account holder | $4,056 | $13,799-70.6% | $11,282-64.1% | $10,886-62.7% |