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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 | $897,828 | $155,555+477.2% | $146,866+511.3% | $155,188+478.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 16.03% | 115.41%-99.4pp | 102.85%-86.8pp | 148.84%-132.8pp |
| Employer contribution / active EE | $2,671 | $4,647-42.5% | $4,425-39.6% | $4,248-37.1% |
| Participant deferral / active EE | $16,445 | $8,044+104.4% | $7,759+111.9% | $6,531+151.8% |
| Admin fee / account holder | $7,704 | $14,755-47.8% | $13,620-43.4% | $14,480-46.8% |