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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 | $279,060 | $202,342+37.9% | $172,753+61.5% | $152,909+82.5% |
| Participation rate | 75.0% | 87.1%-12.1pp | 82.6%-7.6pp | 82.5%-7.5pp |
| Annual return | 18.75% | 1029.88%-1011.1pp | 803.00%-784.3pp | 345.46%-326.7pp |
| Employer contribution / active EE | $1,918 | $5,857-67.3% | $5,144-62.7% | $4,764-59.7% |
| Participant deferral / active EE | $4,492 | $5,948-24.5% | $5,198-13.6% | $5,851-23.2% |
| Admin fee / account holder | $477 | $17,112-97.2% | $13,956-96.6% | $11,601-95.9% |