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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 | $626,194 | $160,070+291.2% | $147,117+325.6% | $145,897+329.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 21.81% | 98.69%-76.9pp | 420.54%-398.7pp | 552.29%-530.5pp |
| Employer contribution / active EE | $20,911 | $5,285+295.7% | $4,932+323.9% | $4,663+348.5% |
| Participant deferral / active EE | $13,455 | $8,419+59.8% | $8,065+66.8% | $6,689+101.1% |
| Admin fee / account holder | $6,630 | $15,035-55.9% | $12,993-49.0% | $13,390-50.5% |