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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 | $672,326 | $209,336+221.2% | $197,124+241.1% | $137,256+389.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 18.49% | 48.09%-29.6pp | 44.34%-25.9pp | 220.34%-201.9pp |
| Employer contribution / active EE | $4,906 | $6,591-25.6% | $6,227-21.2% | $4,156+18.0% |
| Participant deferral / active EE | $15,987 | $9,614+66.3% | $9,135+75.0% | $6,407+149.5% |
| Admin fee / account holder | $2,125 | $17,308-87.7% | $16,298-87.0% | $12,270-82.7% |