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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 | $732,068 | $101,618+620.4% | $93,063+686.6% | $137,256+433.4% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 11.38% | 223.95%-212.6pp | 34.15%-22.8pp | 220.34%-209.0pp |
| Employer contribution / active EE | $2,594 | $2,707-4.2% | $2,476+4.7% | $4,156-37.6% |
| Participant deferral / active EE | $3,333 | $4,279-22.1% | $3,958-15.8% | $6,407-48.0% |
| Admin fee / account holder | $5,538 | $6,198-10.7% | $6,033-8.2% | $12,270-54.9% |