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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 | $792,368 | $110,039+620.1% | $97,260+714.7% | $145,884+443.2% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 15.06% | 244.44%-229.4pp | 75.54%-60.5pp | 551.85%-536.8pp |
| Employer contribution / active EE | $821 | $3,074-73.3% | $2,721-69.8% | $4,662-82.4% |
| Participant deferral / active EE | $950 | $4,674-79.7% | $4,262-77.7% | $6,690-85.8% |
| Admin fee / account holder | $12,330 | $6,204+98.8% | $5,640+118.6% | $13,392-7.9% |