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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 | $910,010 | $160,028+468.7% | $147,080+518.7% | $145,884+523.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.26% | 98.60%-88.3pp | 420.17%-409.9pp | 551.85%-541.6pp |
| Employer contribution / active EE | $22,129 | $5,286+318.7% | $4,933+348.6% | $4,662+374.6% |
| Participant deferral / active EE | $18,160 | $8,422+115.6% | $8,066+125.1% | $6,690+171.5% |
| Admin fee / account holder | $2,439 | $15,030-83.8% | $12,989-81.2% | $13,392-81.8% |