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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 | $278,072 | $202,342+37.4% | $172,753+61.0% | $152,909+81.9% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 22.71% | 1029.88%-1007.2pp | 803.00%-780.3pp | 345.46%-322.8pp |
| Employer contribution / active EE | $6,683 | $5,857+14.1% | $5,144+29.9% | $4,764+40.3% |
| Participant deferral / active EE | $7,216 | $5,948+21.3% | $5,198+38.8% | $5,851+23.3% |
| Admin fee / account holder | $1,429 | $17,112-91.6% | $13,956-89.8% | $11,601-87.7% |