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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 | $432,584 | $160,040+170.3% | $147,096+194.1% | $145,877+196.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.78% | 98.49%-83.7pp | 419.75%-405.0pp | 551.28%-536.5pp |
| Employer contribution / active EE | $14,616 | $5,289+176.3% | $4,936+196.1% | $4,663+213.5% |
| Participant deferral / active EE | $19,735 | $8,429+134.1% | $8,071+144.5% | $6,691+195.0% |
| Admin fee / account holder | $4,747 | $15,050-68.5% | $13,005-63.5% | $13,402-64.6% |