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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 | $125,193+419.4% | $105,591+515.9% | $145,978+345.5% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 12.68% | 225.53%-212.9pp | 116.43%-103.7pp | 550.52%-537.8pp |
| Employer contribution / active EE | $3,063 | $3,718-17.6% | $3,166-3.3% | $4,662-34.3% |
| Participant deferral / active EE | $7,261 | $5,708+27.2% | $5,008+45.0% | $6,690+8.5% |
| Admin fee / account holder | $2,667 | $17,277-84.6% | $11,024-75.8% | $13,400-80.1% |