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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 | $879,313 | $160,040+449.4% | $147,096+497.8% | $145,877+502.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.97% | 98.49%-82.5pp | 419.75%-403.8pp | 551.28%-535.3pp |
| Employer contribution / active EE | $10,350 | $5,289+95.7% | $4,936+109.7% | $4,663+122.0% |
| Participant deferral / active EE | $12,000 | $8,429+42.4% | $8,071+48.7% | $6,691+79.4% |
| Admin fee / account holder | $9,910 | $15,050-34.2% | $13,005-23.8% | $13,402-26.1% |