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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 | $578,683 | $147,594+292.1% | $121,871+374.8% | $198,609+191.4% |
| Participation rate | 100.0% | 78.0%+22.0pp | 73.2%+26.8pp | 82.4%+17.6pp |
| Annual return | 11.92% | 12.94%-1.0pp | 13.57%-1.6pp | 202.70%-190.8pp |
| Employer contribution / active EE | $11,574 | $3,007+284.9% | $2,731+323.8% | $5,055+128.9% |
| Participant deferral / active EE | $5,167 | $5,1680% | $4,318+19.6% | $6,977-25.9% |
| Admin fee / account holder | $1,967 | $15,134-87.0% | $11,551-83.0% | $19,030-89.7% |