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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 | $653,892 | $211,239+209.6% | $178,528+266.3% | $145,877+348.2% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.29% | 30.22%-15.9pp | 27.11%-12.8pp | 551.28%-537.0pp |
| Employer contribution / active EE | $1,995 | $4,570-56.3% | $3,950-49.5% | $4,663-57.2% |
| Participant deferral / active EE | $30,000 | $6,963+330.9% | $6,278+377.8% | $6,691+348.4% |
| Admin fee / account holder | $9,372 | $12,095-22.5% | $10,419-10.0% | $13,402-30.1% |