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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 | $698,445 | $111,814+524.6% | $103,374+575.6% | $145,959+378.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 9.38% | 24.77%-15.4pp | 24.89%-15.5pp | 561.95%-552.6pp |
| Employer contribution / active EE | $3,546 | $4,214-15.8% | $3,869-8.4% | $4,661-23.9% |
| Participant deferral / active EE | $12,491 | $5,618+122.3% | $5,058+147.0% | $6,689+86.8% |
| Admin fee / account holder | $2,715 | $9,754-72.2% | $8,394-67.7% | $13,398-79.7% |