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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 | $357,867 | $202,342+76.9% | $172,753+107.2% | $152,909+134.0% |
| Participation rate | 92.3% | 87.1%+5.3pp | 82.6%+9.7pp | 82.5%+9.9pp |
| Annual return | 21.30% | 1029.88%-1008.6pp | 803.00%-781.7pp | 345.46%-324.2pp |
| Employer contribution / active EE | $11,190 | $5,857+91.0% | $5,144+117.5% | $4,764+134.9% |
| Participant deferral / active EE | $7,518 | $5,948+26.4% | $5,198+44.6% | $5,851+28.5% |
| Admin fee / account holder | $22,368 | $17,112+30.7% | $13,956+60.3% | $11,601+92.8% |