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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 | $554,980 | $117,895+370.7% | $102,460+441.7% | $145,897+280.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.23% | 31.92%-17.7pp | 29.47%-15.2pp | 552.29%-538.1pp |
| Employer contribution / active EE | $5,636 | $3,619+55.7% | $3,025+86.3% | $4,663+20.9% |
| Participant deferral / active EE | $3,199 | $5,736-44.2% | $5,056-36.7% | $6,689-52.2% |
| Admin fee / account holder | $8,704 | $13,353-34.8% | $9,460-8.0% | $13,390-35.0% |