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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 | $256,260 | $209,847+22.1% | $189,520+35.2% | $167,518+53.0% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 14.38% | 748.45%-734.1pp | 555.25%-540.9pp | 478.71%-464.3pp |
| Employer contribution / active EE | $2,937 | $6,913-57.5% | $6,161-52.3% | $4,838-39.3% |
| Participant deferral / active EE | $15,919 | $8,934+78.2% | $8,220+93.7% | $6,342+151.0% |
| Admin fee / account holder | $2,427 | $14,295-83.0% | $12,046-79.9% | $12,312-80.3% |