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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 | $633,475 | $160,028+295.9% | $147,080+330.7% | $145,884+334.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.57% | 98.60%-84.0pp | 420.17%-405.6pp | 551.85%-537.3pp |
| Employer contribution / active EE | $6,558 | $5,286+24.1% | $4,933+32.9% | $4,662+40.7% |
| Participant deferral / active EE | $16,776 | $8,422+99.2% | $8,066+108.0% | $6,690+150.8% |
| Admin fee / account holder | $285,330 | $15,030+1798.4% | $12,989+2096.7% | $13,392+2030.6% |