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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 | $277,386 | $176,077+57.5% | $159,455+74.0% | $167,518+65.6% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 17.68% | 331.83%-314.2pp | 263.63%-245.9pp | 478.71%-461.0pp |
| Employer contribution / active EE | $3,876 | $5,298-26.8% | $4,830-19.8% | $4,838-19.9% |
| Participant deferral / active EE | $2,583 | $7,751-66.7% | $7,353-64.9% | $6,342-59.3% |
| Admin fee / account holder | $10,552 | $12,556-16.0% | $10,800-2.3% | $12,312-14.3% |