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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 | $117,859+370.9% | $102,438+441.8% | $145,959+280.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.23% | 31.72%-17.5pp | 29.37%-15.1pp | 561.95%-547.7pp |
| Employer contribution / active EE | $5,636 | $3,615+55.9% | $3,024+86.4% | $4,661+20.9% |
| Participant deferral / active EE | $3,199 | $5,732-44.2% | $5,054-36.7% | $6,689-52.2% |
| Admin fee / account holder | $8,704 | $13,318-34.6% | $9,448-7.9% | $13,398-35.0% |