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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 | $372,349 | $209,847+77.4% | $189,520+96.5% | $167,518+122.3% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 11.37% | 748.45%-737.1pp | 555.25%-543.9pp | 478.71%-467.3pp |
| Employer contribution / active EE | $7,058 | $6,913+2.1% | $6,161+14.6% | $4,838+45.9% |
| Participant deferral / active EE | $17,200 | $8,934+92.5% | $8,220+109.2% | $6,342+171.2% |
| Admin fee / account holder | $15,074 | $14,295+5.5% | $12,046+25.1% | $12,312+22.4% |