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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 | $603,906 | $110,410+447.0% | $102,437+489.5% | $145,897+313.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 10.93% | 24.85%-13.9pp | 24.95%-14.0pp | 552.29%-541.4pp |
| Employer contribution / active EE | $16,662 | $4,217+295.1% | $3,871+330.5% | $4,663+257.4% |
| Participant deferral / active EE | $5,683 | $5,622+1.1% | $5,060+12.3% | $6,689-15.0% |
| Admin fee / account holder | $968 | $9,745-90.1% | $8,388-88.5% | $13,390-92.8% |