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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 | $730,087 | $160,070+356.1% | $147,117+396.3% | $145,897+400.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.83% | 98.69%-85.9pp | 420.54%-407.7pp | 552.29%-539.5pp |
| Employer contribution / active EE | $5,867 | $5,285+11.0% | $4,932+18.9% | $4,663+25.8% |
| Participant deferral / active EE | $23,138 | $8,419+174.8% | $8,065+186.9% | $6,689+245.9% |
| Admin fee / account holder | $74,048 | $15,035+392.5% | $12,993+469.9% | $13,390+453.0% |