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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 | $259,591 | $176,077+47.4% | $159,455+62.8% | $167,518+55.0% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.92% | 331.83%-318.9pp | 263.63%-250.7pp | 478.71%-465.8pp |
| Employer contribution / active EE | $9,164 | $5,298+73.0% | $4,830+89.7% | $4,838+89.4% |
| Participant deferral / active EE | $11,168 | $7,751+44.1% | $7,353+51.9% | $6,342+76.1% |
| Admin fee / account holder | $68,604 | $12,556+446.4% | $10,800+535.2% | $12,312+457.2% |