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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 | $278,746 | $209,888+32.8% | $189,545+47.1% | $167,553+66.4% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 14.36% | 748.66%-734.3pp | 555.36%-541.0pp | 478.89%-464.5pp |
| Employer contribution / active EE | $10,156 | $6,915+46.9% | $6,162+64.8% | $4,840+109.9% |
| Participant deferral / active EE | $9,317 | $8,934+4.3% | $8,220+13.3% | $6,343+46.9% |
| Admin fee / account holder | $977 | $14,300-93.2% | $12,049-91.9% | $12,316-92.1% |