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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 | $666,289 | $160,070+316.2% | $147,117+352.9% | $145,897+356.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.80% | 98.69%-83.9pp | 420.54%-405.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $8,208 | $5,285+55.3% | $4,932+66.4% | $4,663+76.0% |
| Participant deferral / active EE | $15,840 | $8,419+88.1% | $8,065+96.4% | $6,689+136.8% |
| Admin fee / account holder | $29,282 | $15,035+94.8% | $12,993+125.4% | $13,390+118.7% |