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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 | $802,357 | $160,028+401.4% | $147,080+445.5% | $145,884+450.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.41% | 98.60%-83.2pp | 420.17%-404.8pp | 551.85%-536.4pp |
| Employer contribution / active EE | $13,367 | $5,286+152.9% | $4,933+170.9% | $4,662+186.7% |
| Participant deferral / active EE | $10,827 | $8,422+28.6% | $8,066+34.2% | $6,690+61.8% |
| Admin fee / account holder | $4,088 | $15,030-72.8% | $12,989-68.5% | $13,392-69.5% |