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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 | $251,748 | $160,059+57.3% | $140,019+79.8% | $135,380+86.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | 7.34% | 911.48%-904.1pp | 651.17%-643.8pp | 519.81%-512.5pp |
| Employer contribution / active EE | $7,399 | $6,420+15.3% | $5,605+32.0% | $4,779+54.8% |
| Participant deferral / active EE | $11,644 | $7,641+52.4% | $6,927+68.1% | $5,609+107.6% |
| Admin fee / account holder | $14,287 | $13,328+7.2% | $10,705+33.5% | $10,828+31.9% |