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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 | $283,587 | $180,459+57.1% | $154,108+84.0% | $135,380+109.5% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -1.46% | 888.21%-889.7pp | 735.21%-736.7pp | 519.81%-521.3pp |
| Employer contribution / active EE | $7,510 | $6,035+24.4% | $5,298+41.8% | $4,779+57.1% |
| Participant deferral / active EE | $4,488 | $5,806-22.7% | $5,081-11.7% | $5,609-20.0% |
| Admin fee / account holder | $5,334 | $16,145-67.0% | $13,411-60.2% | $10,828-50.7% |