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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 | $509,496 | $217,432+134.3% | $185,851+174.1% | $167,553+204.1% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.07% | 148.43%-134.4pp | 122.11%-108.0pp | 478.89%-464.8pp |
| Employer contribution / active EE | $3,089 | $5,874-47.4% | $5,168-40.2% | $4,840-36.2% |
| Participant deferral / active EE | $15,759 | $6,357+147.9% | $5,569+183.0% | $6,343+148.5% |
| Admin fee / account holder | $3,197 | $19,820-83.9% | $16,245-80.3% | $12,316-74.0% |