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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 | $650,307 | $125,237+419.3% | $105,608+515.8% | $145,877+345.8% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 12.68% | 225.76%-213.1pp | 116.50%-103.8pp | 551.28%-538.6pp |
| Employer contribution / active EE | $3,063 | $3,720-17.7% | $3,167-3.3% | $4,663-34.3% |
| Participant deferral / active EE | $7,261 | $5,711+27.2% | $5,010+44.9% | $6,691+8.5% |
| Admin fee / account holder | $2,667 | $17,287-84.6% | $11,028-75.8% | $13,402-80.1% |