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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 | $388,126 | $173,340+123.9% | $136,007+185.4% | $145,959+165.9% |
| Participation rate | 75.0% | 80.5%-5.5pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 868.49% | 1163.32%-294.8pp | 579.32%+289.2pp | 561.95%+306.5pp |
| Employer contribution / active EE | $23,000 | $5,275+336.0% | $4,215+445.7% | $4,661+393.5% |
| Participant deferral / active EE | $17,250 | $8,699+98.3% | $7,024+145.6% | $6,689+157.9% |
| Admin fee / account holder | $2,698 | $9,954-72.9% | $6,858-60.7% | $13,398-79.9% |