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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 | $413,415 | $176,077+134.8% | $159,455+159.3% | $167,518+146.8% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.43% | 331.83%-319.4pp | 263.63%-251.2pp | 478.71%-466.3pp |
| Employer contribution / active EE | $6,995 | $5,298+32.0% | $4,830+44.8% | $4,838+44.6% |
| Participant deferral / active EE | $11,133 | $7,751+43.6% | $7,353+51.4% | $6,342+75.5% |
| Admin fee / account holder | $25,416 | $12,556+102.4% | $10,800+135.3% | $12,312+106.4% |