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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 | $160,040+260.1% | $147,096+291.8% | $145,877+295.1% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 13.30% | 98.49%-85.2pp | 419.75%-406.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $6,076 | $5,289+14.9% | $4,936+23.1% | $4,663+30.3% |
| Participant deferral / active EE | $17,828 | $8,429+111.5% | $8,071+120.9% | $6,691+166.5% |
| Admin fee / account holder | $33,379 | $15,050+121.8% | $13,005+156.7% | $13,402+149.1% |