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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 | $573,127 | $160,070+258.0% | $147,117+289.6% | $145,897+292.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 64.75% | 98.69%-33.9pp | 420.54%-355.8pp | 552.29%-487.5pp |
| Employer contribution / active EE | $1,440 | $5,285-72.8% | $4,932-70.8% | $4,663-69.1% |
| Participant deferral / active EE | $16,800 | $8,419+99.5% | $8,065+108.3% | $6,689+151.1% |
| Admin fee / account holder | $12,533 | $15,035-16.6% | $12,993-3.5% | $13,390-6.4% |