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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 | $510,254 | $183,539+178.0% | $155,556+228.0% | $145,897+249.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.66% | 61.31%-49.6pp | 64.84%-53.2pp | 552.29%-540.6pp |
| Employer contribution / active EE | $20,846 | $5,315+292.2% | $4,675+345.9% | $4,663+347.1% |
| Participant deferral / active EE | $17,712 | $6,467+173.9% | $5,631+214.5% | $6,689+164.8% |
| Admin fee / account holder | $17,489 | $19,275-9.3% | $15,885+10.1% | $13,390+30.6% |