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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 | $603,002 | $182,442+230.5% | $163,379+269.1% | $138,895+334.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 13.83% | 72.74%-58.9pp | 63.41%-49.6pp | 145.39%-131.6pp |
| Employer contribution / active EE | $4,572 | $4,159+9.9% | $3,752+21.8% | $4,194+9.0% |
| Participant deferral / active EE | $16,910 | $6,817+148.1% | $6,282+169.2% | $6,396+164.4% |
| Admin fee / account holder | $57,068 | $10,396+449.0% | $9,818+481.3% | $12,562+354.3% |