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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 | $502,963 | $139,948+259.4% | $121,663+313.4% | $154,746+225.0% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 20.03% | 230.52%-210.5pp | 147.54%-127.5pp | 172.34%-152.3pp |
| Employer contribution / active EE | $7,423 | $3,521+110.8% | $3,020+145.8% | $4,379+69.5% |
| Participant deferral / active EE | $10,299 | $5,629+83.0% | $4,887+110.7% | $6,730+53.0% |
| Admin fee / account holder | $6,238 | $17,321-64.0% | $14,289-56.3% | $14,365-56.6% |