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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 | $757,724 | $167,533+352.3% | $151,645+399.7% | $134,545+463.2% |
| Participation rate | 75.0% | 88.4%-13.4pp | 87.5%-12.5pp | 81.2%-6.2pp |
| Annual return | -12.87% | 7.81%-20.7pp | 3.34%-16.2pp | 418.37%-431.2pp |
| Employer contribution / active EE | $11,384 | $6,828+66.7% | $6,165+84.7% | $4,742+140.1% |
| Participant deferral / active EE | $11,499 | $8,985+28.0% | $8,363+37.5% | $6,401+79.6% |
| Admin fee / account holder | $44,881 | $13,781+225.7% | $11,614+286.4% | $11,431+292.6% |