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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 | $274,769 | $202,342+35.8% | $172,753+59.1% | $152,909+79.7% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 19.88% | 1029.88%-1010.0pp | 803.00%-783.1pp | 345.46%-325.6pp |
| Employer contribution / active EE | $9,448 | $5,857+61.3% | $5,144+83.7% | $4,764+98.3% |
| Participant deferral / active EE | $9,738 | $5,948+63.7% | $5,198+87.3% | $5,851+66.4% |
| Admin fee / account holder | $1,151 | $17,112-93.3% | $13,956-91.8% | $11,601-90.1% |