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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 | $598,351 | $160,070+273.8% | $147,117+306.7% | $145,897+310.1% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 10.42% | 98.69%-88.3pp | 420.54%-410.1pp | 552.29%-541.9pp |
| Employer contribution / active EE | $16,421 | $5,285+210.7% | $4,932+232.9% | $4,663+252.2% |
| Participant deferral / active EE | $10,216 | $8,419+21.3% | $8,065+26.7% | $6,689+52.7% |
| Admin fee / account holder | $7,291 | $15,035-51.5% | $12,993-43.9% | $13,390-45.6% |