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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 | $160,028+213.8% | $147,080+241.4% | $145,884+244.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 29.90% | 98.60%-68.7pp | 420.17%-390.3pp | 551.85%-521.9pp |
| Employer contribution / active EE | $21,215 | $5,286+301.4% | $4,933+330.0% | $4,662+355.0% |
| Participant deferral / active EE | $17,202 | $8,422+104.2% | $8,066+113.3% | $6,690+157.1% |
| Admin fee / account holder | $32,713 | $15,030+117.7% | $12,989+151.9% | $13,392+144.3% |