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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 | $399,446 | $160,040+149.6% | $147,096+171.6% | $145,877+173.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 22.83% | 98.49%-75.7pp | 419.75%-396.9pp | 551.28%-528.5pp |
| Employer contribution / active EE | $3,380 | $5,289-36.1% | $4,936-31.5% | $4,663-27.5% |
| Participant deferral / active EE | $17,714 | $8,429+110.2% | $8,071+119.5% | $6,691+164.8% |
| Admin fee / account holder | $21,403 | $15,050+42.2% | $13,005+64.6% | $13,402+59.7% |