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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 | $310,646 | $109,863+182.8% | $98,477+215.4% | $167,518+85.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 26.75% | 1958.09%-1931.3pp | 1493.59%-1466.8pp | 478.71%-452.0pp |
| Employer contribution / active EE | $7,500 | $3,225+132.6% | $2,961+153.3% | $4,838+55.0% |
| Participant deferral / active EE | $11,250 | $4,673+140.7% | $4,276+163.1% | $6,342+77.4% |
| Admin fee / account holder | $4,745 | $6,755-29.8% | $5,951-20.3% | $12,312-61.5% |