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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 | $310,905 | $202,342+53.7% | $172,753+80.0% | $152,909+103.3% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 19.38% | 1029.88%-1010.5pp | 803.00%-783.6pp | 345.46%-326.1pp |
| Employer contribution / active EE | $8,724 | $5,857+48.9% | $5,144+69.6% | $4,764+83.1% |
| Participant deferral / active EE | $6,637 | $5,948+11.6% | $5,198+27.7% | $5,851+13.4% |
| Admin fee / account holder | $3,035 | $17,112-82.3% | $13,956-78.3% | $11,601-73.8% |