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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 | $275,945 | $176,077+56.7% | $159,455+73.1% | $167,518+64.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.96% | 331.83%-321.9pp | 263.63%-253.7pp | 478.71%-468.7pp |
| Employer contribution / active EE | $18,331 | $5,298+246.0% | $4,830+279.5% | $4,838+278.9% |
| Participant deferral / active EE | $11,727 | $7,751+51.3% | $7,353+59.5% | $6,342+84.9% |
| Admin fee / account holder | $33,029 | $12,556+163.0% | $10,800+205.8% | $12,312+168.3% |