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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 | $426,574 | $159,934+166.7% | $147,005+190.2% | $145,959+192.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.17% | 98.24%-83.1pp | 418.76%-403.6pp | 561.95%-546.8pp |
| Employer contribution / active EE | $12,541 | $5,287+137.2% | $4,934+154.2% | $4,661+169.1% |
| Participant deferral / active EE | $8,092 | $8,427-4.0% | $8,070+0.3% | $6,689+21.0% |
| Admin fee / account holder | $3,601 | $15,053-76.1% | $13,006-72.3% | $13,398-73.1% |