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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 | $282,542 | $150,442+87.8% | $136,295+107.3% | $147,585+91.4% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 17.71% | 1049.09%-1031.4pp | 5155.97%-5138.3pp | 578.56%-560.8pp |
| Employer contribution / active EE | $9,333 | $5,256+77.6% | $4,695+98.8% | $4,876+91.4% |
| Participant deferral / active EE | $4,125 | $6,630-37.8% | $6,247-34.0% | $5,439-24.2% |
| Admin fee / account holder | $4,472 | $10,905-59.0% | $9,243-51.6% | $10,885-58.9% |