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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 | $661,637 | $160,070+313.3% | $147,117+349.7% | $145,897+353.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.71% | 98.69%-80.0pp | 420.54%-401.8pp | 552.29%-533.6pp |
| Employer contribution / active EE | $14,883 | $5,285+181.6% | $4,932+201.7% | $4,663+219.2% |
| Participant deferral / active EE | $16,868 | $8,419+100.3% | $8,065+109.2% | $6,689+152.2% |
| Admin fee / account holder | $4,118 | $15,035-72.6% | $12,993-68.3% | $13,390-69.2% |