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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 | $595,001 | $159,934+272.0% | $147,005+304.7% | $145,959+307.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.07% | 98.24%-84.2pp | 418.76%-404.7pp | 561.95%-547.9pp |
| Employer contribution / active EE | $4,723 | $5,287-10.7% | $4,934-4.3% | $4,661+1.3% |
| Participant deferral / active EE | $16,325 | $8,427+93.7% | $8,070+102.3% | $6,689+144.1% |
| Admin fee / account holder | $11,005 | $15,053-26.9% | $13,006-15.4% | $13,398-17.9% |