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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 | $282,263 | $202,342+39.5% | $172,753+63.4% | $152,909+84.6% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 13.86% | 1029.88%-1016.0pp | 803.00%-789.1pp | 345.46%-331.6pp |
| Employer contribution / active EE | $9,711 | $5,857+65.8% | $5,144+88.8% | $4,764+103.9% |
| Participant deferral / active EE | $5,452 | $5,948-8.3% | $5,198+4.9% | $5,851-6.8% |
| Admin fee / account holder | $1,025 | $17,112-94.0% | $13,956-92.7% | $11,601-91.2% |