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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 | $772,824 | $176,786+337.2% | $146,643+427.0% | $167,536+361.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 16.07% | 24.04%-8.0pp | 22.75%-6.7pp | 478.82%-462.8pp |
| Employer contribution / active EE | $2,893 | $5,161-44.0% | $4,137-30.1% | $4,839-40.2% |
| Participant deferral / active EE | $11,852 | $6,440+84.0% | $5,506+115.3% | $6,342+86.9% |
| Admin fee / account holder | $575 | $13,262-95.7% | $10,280-94.4% | $12,315-95.3% |