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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 | $647,111 | $159,934+304.6% | $147,005+340.2% | $145,959+343.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.12% | 98.24%-85.1pp | 418.76%-405.6pp | 561.95%-548.8pp |
| Employer contribution / active EE | $16,000 | $5,287+202.6% | $4,934+224.3% | $4,661+243.3% |
| Participant deferral / active EE | $16,663 | $8,427+97.7% | $8,070+106.5% | $6,689+149.1% |
| Admin fee / account holder | $4,874 | $15,053-67.6% | $13,006-62.5% | $13,398-63.6% |