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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 | $263,609 | $202,342+30.3% | $172,753+52.6% | $152,909+72.4% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 20.10% | 1029.88%-1009.8pp | 803.00%-782.9pp | 345.46%-325.4pp |
| Employer contribution / active EE | $3,035 | $5,857-48.2% | $5,144-41.0% | $4,764-36.3% |
| Participant deferral / active EE | $6,525 | $5,948+9.7% | $5,198+25.5% | $5,851+11.5% |
| Admin fee / account holder | $1,634 | $17,112-90.5% | $13,956-88.3% | $11,601-85.9% |