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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 | $633,275 | $134,001+372.6% | $112,258+464.1% | $134,509+370.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -14.50% | 47.15%-61.7pp | 27.47%-42.0pp | 418.13%-432.6pp |
| Employer contribution / active EE | $2,513 | $4,039-37.8% | $3,636-30.9% | $4,741-47.0% |
| Participant deferral / active EE | $12,048 | $5,291+127.7% | $4,728+154.8% | $6,400+88.2% |
| Admin fee / account holder | $4,502 | $7,491-39.9% | $6,411-29.8% | $11,427-60.6% |