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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 | $502,092 | $160,070+213.7% | $147,117+241.3% | $145,897+244.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 29.90% | 98.69%-68.8pp | 420.54%-390.6pp | 552.29%-522.4pp |
| Employer contribution / active EE | $21,215 | $5,285+301.5% | $4,932+330.1% | $4,663+355.0% |
| Participant deferral / active EE | $17,202 | $8,419+104.3% | $8,065+113.3% | $6,689+157.2% |
| Admin fee / account holder | $32,713 | $15,035+117.6% | $12,993+151.8% | $13,390+144.3% |