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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 | $580,969 | $162,812+256.8% | $133,971+333.7% | $158,966+265.5% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 12.00% | 41.94%-29.9pp | 45.09%-33.1pp | 302.95%-291.0pp |
| Employer contribution / active EE | $18,114 | $4,976+264.0% | $3,919+362.2% | $4,762+280.4% |
| Participant deferral / active EE | $14,433 | $5,910+144.2% | $5,047+186.0% | $5,983+141.2% |
| Admin fee / account holder | $2,695 | $11,741-77.0% | $8,929-69.8% | $11,250-76.0% |