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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 | $1,067,810 | $160,040+567.2% | $147,096+625.9% | $145,877+632.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.30% | 98.49%-87.2pp | 419.75%-408.4pp | 551.28%-540.0pp |
| Employer contribution / active EE | $26,840 | $5,289+407.4% | $4,936+443.8% | $4,663+475.6% |
| Participant deferral / active EE | $36,937 | $8,429+338.2% | $8,071+357.7% | $6,691+452.1% |
| Admin fee / account holder | $79,071 | $15,050+425.4% | $13,005+508.0% | $13,402+490.0% |