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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 | $712,193 | $104,694+580.3% | $85,709+730.9% | $167,536+325.1% |
| Participation rate | 100.0% | 76.4%+23.6pp | 69.9%+30.1pp | 82.1%+17.9pp |
| Annual return | 10.28% | 21.45%-11.2pp | 21.49%-11.2pp | 478.82%-468.5pp |
| Employer contribution / active EE | $16,070 | $3,337+381.5% | $2,619+513.7% | $4,839+232.1% |
| Participant deferral / active EE | $9,681 | $4,826+100.6% | $3,924+146.7% | $6,342+52.6% |
| Admin fee / account holder | $591 | $10,035-94.1% | $6,876-91.4% | $12,315-95.2% |