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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 | $486,436 | $159,934+204.1% | $147,005+230.9% | $145,959+233.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 17.58% | 98.24%-80.7pp | 418.76%-401.2pp | 561.95%-544.4pp |
| Employer contribution / active EE | $12,500 | $5,287+136.4% | $4,934+153.3% | $4,661+168.2% |
| Participant deferral / active EE | $7,625 | $8,427-9.5% | $8,070-5.5% | $6,689+14.0% |
| Admin fee / account holder | $3,879 | $15,053-74.2% | $13,006-70.2% | $13,398-71.1% |