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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 | $261,430 | $202,342+29.2% | $172,752+51.3% | $152,897+71.0% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 27.47% | 1029.83%-1002.4pp | 802.97%-775.5pp | 345.43%-318.0pp |
| Employer contribution / active EE | $9,576 | $5,858+63.5% | $5,144+86.1% | $4,764+101.0% |
| Participant deferral / active EE | $6,298 | $5,948+5.9% | $5,198+21.2% | $5,851+7.6% |
| Admin fee / account holder | $14,811 | $17,111-13.4% | $13,955+6.1% | $11,599+27.7% |