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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 | $653,952 | $100,262+552.2% | $81,370+703.7% | $145,897+348.2% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 11.94% | 34.52%-22.6pp | 24.85%-12.9pp | 552.29%-540.3pp |
| Employer contribution / active EE | $43,059 | $2,979+1345.5% | $2,464+1647.6% | $4,663+823.5% |
| Participant deferral / active EE | $44,720 | $4,612+869.6% | $3,885+1051.0% | $6,689+568.5% |
| Admin fee / account holder | $2,840 | $8,163-65.2% | $5,749-50.6% | $13,390-78.8% |