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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 | $730,125 | $208,088+250.9% | $186,193+292.1% | $154,746+371.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 18.95% | 89.97%-71.0pp | 78.03%-59.1pp | 172.34%-153.4pp |
| Employer contribution / active EE | $9,899 | $4,340+128.1% | $3,918+152.6% | $4,379+126.0% |
| Participant deferral / active EE | $23,742 | $7,078+235.4% | $6,513+264.5% | $6,730+252.8% |
| Admin fee / account holder | $2,329 | $11,698-80.1% | $11,058-78.9% | $14,365-83.8% |