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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 | $506,592 | $183,988+175.3% | $162,177+212.4% | $152,897+231.3% |
| Participation rate | 93.3% | 88.5%+4.8pp | 87.6%+5.8pp | 82.5%+10.9pp |
| Annual return | 20.88% | 150.79%-129.9pp | 115.60%-94.7pp | 345.43%-324.6pp |
| Employer contribution / active EE | $20,120 | $6,370+215.9% | $5,613+258.5% | $4,764+322.4% |
| Participant deferral / active EE | $16,340 | $8,032+103.4% | $7,297+123.9% | $5,851+179.3% |
| Admin fee / account holder | $3,711 | $13,123-71.7% | $10,843-65.8% | $11,599-68.0% |