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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 | $531,944 | $160,028+232.4% | $147,080+261.7% | $145,884+264.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.50% | 98.60%-85.1pp | 420.17%-406.7pp | 551.85%-538.3pp |
| Employer contribution / active EE | $13,282 | $5,286+151.3% | $4,933+169.2% | $4,662+184.9% |
| Participant deferral / active EE | $21,055 | $8,422+150.0% | $8,066+161.0% | $6,690+214.7% |
| Admin fee / account holder | $4,130 | $15,030-72.5% | $12,989-68.2% | $13,392-69.2% |