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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 | $748,299 | $172,111+334.8% | $150,298+397.9% | $137,256+445.2% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 30.64% | 69.37%-38.7pp | 62.79%-32.2pp | 220.34%-189.7pp |
| Employer contribution / active EE | $1,882 | $4,636-59.4% | $4,154-54.7% | $4,156-54.7% |
| Participant deferral / active EE | $4,820 | $6,166-21.8% | $5,453-11.6% | $6,407-24.8% |
| Admin fee / account holder | $1,307 | $16,471-92.1% | $14,116-90.7% | $12,270-89.3% |