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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 | $310,198 | $148,623+108.7% | $135,974+128.1% | $139,466+122.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 243.03% | 79.30%+163.7pp | 68.30%+174.7pp | 373.66%-130.6pp |
| Employer contribution / active EE | $24,342 | $5,246+364.0% | $4,859+401.0% | $4,754+412.0% |
| Participant deferral / active EE | $18,917 | $8,103+133.5% | $7,760+143.8% | $6,712+181.8% |
| Admin fee / account holder | $1,022 | $12,406-91.8% | $10,767-90.5% | $11,409-91.0% |