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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 | $277,233 | $138,114+100.7% | $125,391+121.1% | $134,545+106.1% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | 9.43% | 750.88%-741.5pp | 572.41%-563.0pp | 418.37%-408.9pp |
| Employer contribution / active EE | $13,530 | $5,246+157.9% | $4,816+181.0% | $4,742+185.3% |
| Participant deferral / active EE | $10,331 | $7,801+32.4% | $7,448+38.7% | $6,401+61.4% |
| Admin fee / account holder | $1,724 | $11,570-85.1% | $10,009-82.8% | $11,431-84.9% |