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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 | $291,752 | $176,120+65.7% | $159,487+82.9% | $167,553+74.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 16.33% | 331.95%-315.6pp | 263.71%-247.4pp | 478.89%-462.6pp |
| Employer contribution / active EE | $7,493 | $5,299+41.4% | $4,831+55.1% | $4,840+54.8% |
| Participant deferral / active EE | $21,245 | $7,752+174.1% | $7,354+188.9% | $6,343+235.0% |
| Admin fee / account holder | $599 | $12,561-95.2% | $10,804-94.5% | $12,316-95.1% |