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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 | $533,321 | $124,351+328.9% | $109,188+388.4% | $167,553+218.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.51% | 26.04%-12.5pp | 25.76%-12.2pp | 478.89%-465.4pp |
| Employer contribution / active EE | $4,208 | $4,2100% | $3,723+13.0% | $4,840-13.0% |
| Participant deferral / active EE | $15,567 | $5,257+196.1% | $4,654+234.5% | $6,343+145.4% |
| Admin fee / account holder | $4,017 | $7,975-49.6% | $6,755-40.5% | $12,316-67.4% |