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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 | $444,746 | $160,040+177.9% | $147,096+202.4% | $145,877+204.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.14% | 98.49%-86.4pp | 419.75%-407.6pp | 551.28%-539.1pp |
| Employer contribution / active EE | $14,779 | $5,289+179.4% | $4,936+199.4% | $4,663+216.9% |
| Participant deferral / active EE | $16,799 | $8,429+99.3% | $8,071+108.1% | $6,691+151.1% |
| Admin fee / account holder | $57,894 | $15,050+284.7% | $13,005+345.2% | $13,402+332.0% |