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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 | $270,007 | $202,342+33.4% | $172,753+56.3% | $152,909+76.6% |
| Participation rate | 90.0% | 87.1%+2.9pp | 82.6%+7.4pp | 82.5%+7.5pp |
| Annual return | 21.24% | 1029.88%-1008.6pp | 803.00%-781.8pp | 345.46%-324.2pp |
| Employer contribution / active EE | $5,763 | $5,857-1.6% | $5,144+12.0% | $4,764+21.0% |
| Participant deferral / active EE | $4,063 | $5,948-31.7% | $5,198-21.8% | $5,851-30.6% |
| Admin fee / account holder | $4,088 | $17,112-76.1% | $13,956-70.7% | $11,601-64.8% |