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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 | $652,762 | $98,240+564.5% | $82,312+693.0% | $147,586+342.3% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 10.11% | 30.85%-20.7pp | 25.88%-15.8pp | 578.59%-568.5pp |
| Employer contribution / active EE | $33,371 | $3,192+945.5% | $2,428+1274.2% | $4,876+584.3% |
| Participant deferral / active EE | $24,000 | $4,383+447.5% | $3,706+547.6% | $5,439+341.3% |
| Admin fee / account holder | $4,918 | $8,563-42.6% | $5,608-12.3% | $10,886-54.8% |