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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 | $576,325 | $160,070+260.0% | $147,117+291.7% | $145,897+295.0% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 13.30% | 98.69%-85.4pp | 420.54%-407.2pp | 552.29%-539.0pp |
| Employer contribution / active EE | $6,076 | $5,285+15.0% | $4,932+23.2% | $4,663+30.3% |
| Participant deferral / active EE | $17,828 | $8,419+111.7% | $8,065+121.1% | $6,689+166.5% |
| Admin fee / account holder | $33,379 | $15,035+122.0% | $12,993+156.9% | $13,390+149.3% |