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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 | $603,050 | $160,070+276.7% | $147,117+309.9% | $145,897+313.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.83% | 98.69%-87.9pp | 420.54%-409.7pp | 552.29%-541.5pp |
| Employer contribution / active EE | $4,633 | $5,285-12.3% | $4,932-6.1% | $4,663-0.6% |
| Participant deferral / active EE | $17,370 | $8,419+106.3% | $8,065+115.4% | $6,689+159.7% |
| Admin fee / account holder | $4,503 | $15,035-70.1% | $12,993-65.3% | $13,390-66.4% |