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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 | $341,260 | $171,867+98.6% | $149,721+127.9% | $147,586+131.2% |
| Participation rate | 75.0% | 88.2%-13.2pp | 87.1%-12.1pp | 82.8%-7.8pp |
| Annual return | 36.45% | 2113.36%-2076.9pp | 1501.67%-1465.2pp | 578.59%-542.1pp |
| Employer contribution / active EE | $3,982 | $6,275-36.5% | $5,444-26.9% | $4,876-18.3% |
| Participant deferral / active EE | $12,721 | $7,270+75.0% | $6,568+93.7% | $5,439+133.9% |
| Admin fee / account holder | $32,680 | $13,799+136.8% | $11,282+189.7% | $10,886+200.2% |