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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 | $349,157 | $209,847+66.4% | $189,520+84.2% | $167,518+108.4% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 15.78% | 748.45%-732.7pp | 555.25%-539.5pp | 478.71%-462.9pp |
| Employer contribution / active EE | $23,579 | $6,913+241.1% | $6,161+282.7% | $4,838+387.3% |
| Participant deferral / active EE | $18,249 | $8,934+104.3% | $8,220+122.0% | $6,342+187.7% |
| Admin fee / account holder | $2,695 | $14,295-81.1% | $12,046-77.6% | $12,312-78.1% |