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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 | $424,635 | $109,872+286.5% | $98,483+331.2% | $167,536+153.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 56.50% | 1959.31%-1902.8pp | 1494.38%-1437.9pp | 478.82%-422.3pp |
| Employer contribution / active EE | $3,608 | $3,225+11.9% | $2,961+21.9% | $4,839-25.4% |
| Participant deferral / active EE | $1,080 | $4,673-76.9% | $4,276-74.7% | $6,342-83.0% |
| Admin fee / account holder | $14,022 | $6,757+107.5% | $5,953+135.5% | $12,315+13.9% |