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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 | $470,805 | $183,988+155.9% | $162,177+190.3% | $152,897+207.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 24.85% | 150.79%-125.9pp | 115.60%-90.8pp | 345.43%-320.6pp |
| Employer contribution / active EE | $6,477 | $6,370+1.7% | $5,613+15.4% | $4,764+36.0% |
| Participant deferral / active EE | $12,400 | $8,032+54.4% | $7,297+69.9% | $5,851+111.9% |
| Admin fee / account holder | $5,195 | $13,123-60.4% | $10,843-52.1% | $11,599-55.2% |