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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 | $542,389 | $105,856+412.4% | $90,161+501.6% | $147,586+267.5% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 15.77% | 37.63%-21.9pp | 34.89%-19.1pp | 578.59%-562.8pp |
| Employer contribution / active EE | $15,001 | $4,126+263.5% | $3,318+352.1% | $4,876+207.6% |
| Participant deferral / active EE | $8,263 | $5,733+44.1% | $5,287+56.3% | $5,439+51.9% |
| Admin fee / account holder | $806 | $8,046-90.0% | $5,943-86.4% | $10,886-92.6% |