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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 | $564,148 | $159,934+252.7% | $147,005+283.8% | $145,959+286.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.51% | 98.24%-79.7pp | 418.76%-400.3pp | 561.95%-543.4pp |
| Employer contribution / active EE | $45,692 | $5,287+764.2% | $4,934+826.0% | $4,661+880.3% |
| Participant deferral / active EE | $12,706 | $8,427+50.8% | $8,070+57.4% | $6,689+90.0% |
| Admin fee / account holder | $3,000 | $15,053-80.1% | $13,006-76.9% | $13,398-77.6% |