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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 | $677,100 | $103,387+554.9% | $87,102+677.4% | $152,885+342.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 23.23% | 28.10%-4.9pp | 28.19%-5.0pp | 345.39%-322.2pp |
| Employer contribution / active EE | $15,328 | $3,221+375.9% | $2,521+507.9% | $4,763+221.8% |
| Participant deferral / active EE | $13,925 | $4,778+191.4% | $4,048+244.0% | $5,851+138.0% |
| Admin fee / account holder | $5,169 | $12,193-57.6% | $7,491-31.0% | $11,598-55.4% |