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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 | $275,495 | $202,342+36.2% | $172,753+59.5% | $152,909+80.2% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 19.53% | 1029.88%-1010.3pp | 803.00%-783.5pp | 345.46%-325.9pp |
| Employer contribution / active EE | $4,766 | $5,857-18.6% | $5,144-7.4% | $4,7640% |
| Participant deferral / active EE | $5,711 | $5,948-4.0% | $5,198+9.9% | $5,851-2.4% |
| Admin fee / account holder | $960 | $17,112-94.4% | $13,956-93.1% | $11,601-91.7% |