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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 | $692,353 | $176,786+291.6% | $146,643+372.1% | $167,536+313.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 12.14% | 24.04%-11.9pp | 22.75%-10.6pp | 478.82%-466.7pp |
| Employer contribution / active EE | $10,305 | $5,161+99.7% | $4,137+149.1% | $4,839+113.0% |
| Participant deferral / active EE | $13,100 | $6,440+103.4% | $5,506+137.9% | $6,342+106.6% |
| Admin fee / account holder | $6,001 | $13,262-54.7% | $10,280-41.6% | $12,315-51.3% |