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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 | $99,380+482.3% | $90,312+540.8% | $155,188+272.9% |
| Participation rate | 100.0% | 77.3%+22.7pp | 72.9%+27.1pp | 80.8%+19.2pp |
| Annual return | 11.92% | 19.35%-7.4pp | 18.90%-7.0pp | 148.84%-136.9pp |
| Employer contribution / active EE | $11,574 | $2,390+384.3% | $2,243+416.1% | $4,248+172.5% |
| Participant deferral / active EE | $5,167 | $4,212+22.7% | $3,749+37.8% | $6,531-20.9% |
| Admin fee / account holder | $1,967 | $9,766-79.9% | $8,248-76.2% | $14,480-86.4% |