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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 | $815,041 | $160,028+409.3% | $147,080+454.1% | $145,884+458.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.79% | 98.60%-86.8pp | 420.17%-408.4pp | 551.85%-540.1pp |
| Employer contribution / active EE | $28,645 | $5,286+441.9% | $4,933+480.6% | $4,662+514.4% |
| Participant deferral / active EE | $18,857 | $8,422+123.9% | $8,066+133.8% | $6,690+181.9% |
| Admin fee / account holder | $3,211 | $15,030-78.6% | $12,989-75.3% | $13,392-76.0% |