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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 | $587,027 | $160,070+266.7% | $147,117+299.0% | $145,897+302.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.26% | 98.69%-82.4pp | 420.54%-404.3pp | 552.29%-536.0pp |
| Employer contribution / active EE | $5,949 | $5,285+12.6% | $4,932+20.6% | $4,663+27.6% |
| Participant deferral / active EE | $12,170 | $8,419+44.5% | $8,065+50.9% | $6,689+81.9% |
| Admin fee / account holder | $2,706 | $15,035-82.0% | $12,993-79.2% | $13,390-79.8% |