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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 | $394,091 | $209,888+87.8% | $189,545+107.9% | $167,553+135.2% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 11.40% | 748.66%-737.3pp | 555.36%-544.0pp | 478.89%-467.5pp |
| Employer contribution / active EE | $10,073 | $6,915+45.7% | $6,162+63.5% | $4,840+108.1% |
| Participant deferral / active EE | $9,750 | $8,934+9.1% | $8,220+18.6% | $6,343+53.7% |
| Admin fee / account holder | $30,287 | $14,300+111.8% | $12,049+151.4% | $12,316+145.9% |