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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 | $687,597 | $159,978+329.8% | $147,041+367.6% | $145,978+371.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 23.71% | 98.36%-74.7pp | 419.21%-395.5pp | 550.52%-526.8pp |
| Employer contribution / active EE | $27,000 | $5,288+410.6% | $4,935+447.1% | $4,662+479.2% |
| Participant deferral / active EE | $30,500 | $8,429+261.9% | $8,071+277.9% | $6,690+355.9% |
| Admin fee / account holder | $701 | $15,053-95.3% | $13,006-94.6% | $13,400-94.8% |