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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 | $322,851 | $176,077+83.4% | $159,455+102.5% | $167,518+92.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 20.23% | 331.83%-311.6pp | 263.63%-243.4pp | 478.71%-458.5pp |
| Employer contribution / active EE | $8,088 | $5,298+52.7% | $4,830+67.4% | $4,838+67.2% |
| Participant deferral / active EE | $24,902 | $7,751+221.3% | $7,353+238.7% | $6,342+292.7% |
| Admin fee / account holder | $43,710 | $12,556+248.1% | $10,800+304.7% | $12,312+255.0% |