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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 | $342,956 | $176,120+94.7% | $159,487+115.0% | $167,553+104.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.44% | 331.95%-318.5pp | 263.71%-250.3pp | 478.89%-465.5pp |
| Employer contribution / active EE | $24,022 | $5,299+353.3% | $4,831+397.2% | $4,840+396.4% |
| Participant deferral / active EE | $11,075 | $7,752+42.9% | $7,354+50.6% | $6,343+74.6% |
| Admin fee / account holder | $2,818 | $12,561-77.6% | $10,804-73.9% | $12,316-77.1% |