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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 | $456,917 | $175,231+160.8% | $149,696+205.2% | $139,466+227.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.19% | 166.77%-147.6pp | 134.46%-115.3pp | 373.66%-354.5pp |
| Employer contribution / active EE | $8,824 | $5,478+61.1% | $4,821+83.0% | $4,754+85.6% |
| Participant deferral / active EE | $6,760 | $6,521+3.7% | $5,682+19.0% | $6,712+0.7% |
| Admin fee / account holder | $50,557 | $16,155+213.0% | $13,212+282.7% | $11,409+343.1% |