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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 | $467,747 | $160,070+192.2% | $147,117+217.9% | $145,897+220.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 22.23% | 98.69%-76.5pp | 420.54%-398.3pp | 552.29%-530.1pp |
| Employer contribution / active EE | $1,070 | $5,285-79.8% | $4,932-78.3% | $4,663-77.1% |
| Participant deferral / active EE | $17,608 | $8,419+109.1% | $8,065+118.3% | $6,689+163.2% |
| Admin fee / account holder | $12,141 | $15,035-19.3% | $12,993-6.6% | $13,390-9.3% |