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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 | $301,828 | $171,865+75.6% | $149,718+101.6% | $147,585+104.5% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 13.68% | 2113.29%-2099.6pp | 1501.67%-1488.0pp | 578.56%-564.9pp |
| Employer contribution / active EE | $5,220 | $6,275-16.8% | $5,445-4.1% | $4,876+7.0% |
| Participant deferral / active EE | $9,987 | $7,270+37.4% | $6,569+52.0% | $5,439+83.6% |
| Admin fee / account holder | $10,214 | $13,799-26.0% | $11,283-9.5% | $10,885-6.2% |