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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 | $462,777 | $160,070+189.1% | $147,117+214.6% | $145,897+217.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 22.63% | 98.69%-76.1pp | 420.54%-397.9pp | 552.29%-529.7pp |
| Employer contribution / active EE | $4,402 | $5,285-16.7% | $4,932-10.8% | $4,663-5.6% |
| Participant deferral / active EE | $12,441 | $8,419+47.8% | $8,065+54.3% | $6,689+86.0% |
| Admin fee / account holder | $5,390 | $15,035-64.2% | $12,993-58.5% | $13,390-59.7% |