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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 | $478,574 | $107,368+345.7% | $92,915+415.1% | $152,909+213.0% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 135.75% | 145.64%-9.9pp | 109.45%+26.3pp | 345.46%-209.7pp |
| Employer contribution / active EE | $7,713 | $4,222+82.7% | $3,653+111.1% | $4,764+61.9% |
| Participant deferral / active EE | $18,609 | $4,848+283.9% | $4,238+339.1% | $5,851+218.0% |
| Admin fee / account holder | $22,458 | $7,082+217.1% | $5,796+287.5% | $11,601+93.6% |