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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 | $784,540 | $111,814+601.6% | $103,378+658.9% | $145,978+437.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 17.55% | 24.80%-7.3pp | 24.91%-7.4pp | 550.52%-533.0pp |
| Employer contribution / active EE | $3,752 | $4,215-11.0% | $3,870-3.1% | $4,662-19.5% |
| Participant deferral / active EE | $14,412 | $5,618+156.5% | $5,058+184.9% | $6,690+115.4% |
| Admin fee / account holder | $3,923 | $9,764-59.8% | $8,401-53.3% | $13,400-70.7% |