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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 | $714,635 | $85,060+740.2% | $70,565+912.7% | $139,487+412.3% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.4%+31.6pp | 80.3%+19.7pp |
| Annual return | 13.58% | 30.39%-16.8pp | 32.79%-19.2pp | 373.84%-360.3pp |
| Employer contribution / active EE | $18,064 | $3,912+361.8% | $2,976+507.0% | $4,755+279.9% |
| Participant deferral / active EE | $11,156 | $5,891+89.4% | $4,568+144.2% | $6,713+66.2% |
| Admin fee / account holder | $1,007 | $8,932-88.7% | $6,430-84.3% | $11,407-91.2% |