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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 | $264,900 | $202,342+30.9% | $172,753+53.3% | $152,909+73.2% |
| Participation rate | 94.4% | 87.1%+7.4pp | 82.6%+11.8pp | 82.5%+12.0pp |
| Annual return | 20.71% | 1029.88%-1009.2pp | 803.00%-782.3pp | 345.46%-324.8pp |
| Employer contribution / active EE | $8,402 | $5,857+43.4% | $5,144+63.3% | $4,764+76.4% |
| Participant deferral / active EE | $5,857 | $5,948-1.5% | $5,198+12.7% | $5,851+0.1% |
| Admin fee / account holder | $2,146 | $17,112-87.5% | $13,956-84.6% | $11,601-81.5% |