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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 | $690,447 | $160,040+331.4% | $147,096+369.4% | $145,877+373.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.36% | 98.49%-84.1pp | 419.75%-405.4pp | 551.28%-536.9pp |
| Employer contribution / active EE | $2,618 | $5,289-50.5% | $4,936-47.0% | $4,663-43.9% |
| Participant deferral / active EE | $16,011 | $8,429+90.0% | $8,071+98.4% | $6,691+139.3% |
| Admin fee / account holder | $13,435 | $15,050-10.7% | $13,005+3.3% | $13,402+0.2% |