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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 | $253,318 | $176,077+43.9% | $159,455+58.9% | $167,518+51.2% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.26% | 331.83%-317.6pp | 263.63%-249.4pp | 478.71%-464.4pp |
| Employer contribution / active EE | $15,578 | $5,298+194.0% | $4,830+222.5% | $4,838+222.0% |
| Participant deferral / active EE | $6,390 | $7,751-17.6% | $7,353-13.1% | $6,342+0.8% |
| Admin fee / account holder | $908 | $12,556-92.8% | $10,800-91.6% | $12,312-92.6% |