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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 | $159,934+149.8% | $147,005+171.7% | $145,959+173.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 22.83% | 98.24%-75.4pp | 418.76%-395.9pp | 561.95%-539.1pp |
| Employer contribution / active EE | $3,380 | $5,287-36.1% | $4,934-31.5% | $4,661-27.5% |
| Participant deferral / active EE | $17,714 | $8,427+110.2% | $8,070+119.5% | $6,689+164.8% |
| Admin fee / account holder | $21,403 | $15,053+42.2% | $13,006+64.6% | $13,398+59.8% |