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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 | $472,380 | $209,888+125.1% | $189,545+149.2% | $167,553+181.9% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 16.36% | 748.66%-732.3pp | 555.36%-539.0pp | 478.89%-462.5pp |
| Employer contribution / active EE | $5,546 | $6,915-19.8% | $6,162-10.0% | $4,840+14.6% |
| Participant deferral / active EE | $16,032 | $8,934+79.4% | $8,220+95.0% | $6,343+152.8% |
| Admin fee / account holder | $1,671 | $14,300-88.3% | $12,049-86.1% | $12,316-86.4% |