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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 | $608,698 | $109,904+453.8% | $97,167+526.4% | $145,959+317.0% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 142.72% | 243.43%-100.7pp | 75.27%+67.5pp | 561.95%-419.2pp |
| Employer contribution / active EE | $479 | $3,084-84.5% | $2,729-82.4% | $4,661-89.7% |
| Participant deferral / active EE | $8,418 | $4,676+80.0% | $4,264+97.4% | $6,689+25.9% |
| Admin fee / account holder | $4,735 | $6,216-23.8% | $5,650-16.2% | $13,398-64.7% |