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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 | $384,494 | $160,040+140.2% | $147,096+161.4% | $145,877+163.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 28.84% | 98.49%-69.7pp | 419.75%-390.9pp | 551.28%-522.4pp |
| Employer contribution / active EE | $32,009 | $5,289+505.1% | $4,936+548.5% | $4,663+586.4% |
| Participant deferral / active EE | $20,333 | $8,429+141.2% | $8,071+151.9% | $6,691+203.9% |
| Admin fee / account holder | $2,040 | $15,050-86.4% | $13,005-84.3% | $13,402-84.8% |