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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 | $250,471 | $202,342+23.8% | $172,753+45.0% | $152,909+63.8% |
| Participation rate | 91.7% | 87.1%+4.6pp | 82.6%+9.0pp | 82.5%+9.2pp |
| Annual return | 25.86% | 1029.88%-1004.0pp | 803.00%-777.1pp | 345.46%-319.6pp |
| Employer contribution / active EE | $2,706 | $5,857-53.8% | $5,144-47.4% | $4,764-43.2% |
| Participant deferral / active EE | $5,946 | $5,9480% | $5,198+14.4% | $5,851+1.6% |
| Admin fee / account holder | $10,696 | $17,112-37.5% | $13,956-23.4% | $11,601-7.8% |