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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 | $320,537 | $202,342+58.4% | $172,752+85.5% | $152,897+109.6% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 24.65% | 1029.83%-1005.2pp | 802.97%-778.3pp | 345.43%-320.8pp |
| Employer contribution / active EE | $10,912 | $5,858+86.3% | $5,144+112.1% | $4,764+129.1% |
| Participant deferral / active EE | $9,128 | $5,948+53.5% | $5,198+75.6% | $5,851+56.0% |
| Admin fee / account holder | $9,107 | $17,111-46.8% | $13,955-34.7% | $11,599-21.5% |