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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 | $275,923 | $176,077+56.7% | $159,455+73.0% | $167,518+64.7% |
| Participation rate | 83.3% | 84.9%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 17.38% | 331.83%-314.5pp | 263.63%-246.3pp | 478.71%-461.3pp |
| Employer contribution / active EE | $2,779 | $5,298-47.5% | $4,830-42.5% | $4,838-42.6% |
| Participant deferral / active EE | $4,457 | $7,751-42.5% | $7,353-39.4% | $6,342-29.7% |
| Admin fee / account holder | $11,303 | $12,556-10.0% | $10,800+4.7% | $12,312-8.2% |