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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 | $417,022 | $202,342+106.1% | $172,753+141.4% | $152,909+172.7% |
| Participation rate | 94.7% | 87.1%+7.7pp | 82.6%+12.1pp | 82.5%+12.3pp |
| Annual return | 19.89% | 1029.88%-1010.0pp | 803.00%-783.1pp | 345.46%-325.6pp |
| Employer contribution / active EE | $33,096 | $5,857+465.0% | $5,144+543.4% | $4,764+594.7% |
| Participant deferral / active EE | $19,234 | $5,948+223.4% | $5,198+270.1% | $5,851+228.7% |
| Admin fee / account holder | $104,094 | $17,112+508.3% | $13,956+645.9% | $11,601+797.3% |