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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 | $823,267 | $159,934+414.8% | $147,005+460.0% | $145,959+464.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.54% | 98.24%-82.7pp | 418.76%-403.2pp | 561.95%-546.4pp |
| Employer contribution / active EE | $1,200 | $5,287-77.3% | $4,934-75.7% | $4,661-74.3% |
| Participant deferral / active EE | $25,896 | $8,427+207.3% | $8,070+220.9% | $6,689+287.2% |
| Admin fee / account holder | $5,000 | $15,053-66.8% | $13,006-61.6% | $13,398-62.7% |