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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 | $608,723 | $160,028+280.4% | $147,080+313.9% | $145,884+317.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.81% | 98.60%-88.8pp | 420.17%-410.4pp | 551.85%-542.0pp |
| Employer contribution / active EE | $25,685 | $5,286+385.9% | $4,933+420.6% | $4,662+450.9% |
| Participant deferral / active EE | $17,539 | $8,422+108.2% | $8,066+117.4% | $6,690+162.2% |
| Admin fee / account holder | $118,750 | $15,030+690.1% | $12,989+814.2% | $13,392+786.7% |