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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 | $284,899 | $202,342+40.8% | $172,753+64.9% | $152,909+86.3% |
| Participation rate | 75.0% | 87.1%-12.1pp | 82.6%-7.6pp | 82.5%-7.5pp |
| Annual return | 24.68% | 1029.88%-1005.2pp | 803.00%-778.3pp | 345.46%-320.8pp |
| Employer contribution / active EE | $10,918 | $5,857+86.4% | $5,144+112.2% | $4,764+129.2% |
| Participant deferral / active EE | $8,050 | $5,948+35.3% | $5,198+54.9% | $5,851+37.6% |
| Admin fee / account holder | $585 | $17,112-96.6% | $13,956-95.8% | $11,601-95.0% |