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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 | $253,346 | $202,342+25.2% | $172,752+46.7% | $152,897+65.7% |
| Participation rate | 87.5% | 87.1%+0.4pp | 82.6%+4.9pp | 82.5%+5.0pp |
| Annual return | 31.48% | 1029.83%-998.4pp | 802.97%-771.5pp | 345.43%-314.0pp |
| Employer contribution / active EE | $5,899 | $5,858+0.7% | $5,144+14.7% | $4,764+23.8% |
| Participant deferral / active EE | $4,274 | $5,948-28.2% | $5,198-17.8% | $5,851-27.0% |
| Admin fee / account holder | $18,095 | $17,111+5.8% | $13,955+29.7% | $11,599+56.0% |