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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 | $510,791 | $167,030+205.8% | $135,768+276.2% | $155,188+229.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 13.03% | 678.39%-665.4pp | 526.10%-513.1pp | 148.84%-135.8pp |
| Employer contribution / active EE | $4,220 | $4,132+2.1% | $3,394+24.3% | $4,248-0.7% |
| Participant deferral / active EE | $9,179 | $4,528+102.7% | $3,977+130.8% | $6,531+40.5% |
| Admin fee / account holder | $70,217 | $8,172+759.3% | $7,048+896.2% | $14,480+384.9% |