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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 | $641,151 | $148,623+331.4% | $135,974+371.5% | $139,466+359.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.44% | 79.30%-64.9pp | 68.30%-53.9pp | 373.66%-359.2pp |
| Employer contribution / active EE | $7,827 | $5,246+49.2% | $4,859+61.1% | $4,754+64.6% |
| Participant deferral / active EE | $25,000 | $8,103+208.5% | $7,760+222.2% | $6,712+272.5% |
| Admin fee / account holder | $18,579 | $12,406+49.8% | $10,767+72.6% | $11,409+62.8% |