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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 | $766,814 | $117,895+550.4% | $102,460+648.4% | $145,897+425.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 13.10% | 31.92%-18.8pp | 29.47%-16.4pp | 552.29%-539.2pp |
| Employer contribution / active EE | $12,528 | $3,619+246.2% | $3,025+314.1% | $4,663+168.7% |
| Participant deferral / active EE | $13,950 | $5,736+143.2% | $5,056+175.9% | $6,689+108.5% |
| Admin fee / account holder | $2,340 | $13,353-82.5% | $9,460-75.3% | $13,390-82.5% |