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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 | $734,927 | $124,346+491.0% | $111,308+560.3% | $167,536+338.7% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 15.61% | 37.45%-21.8pp | 54.67%-39.1pp | 478.82%-463.2pp |
| Employer contribution / active EE | $4,410 | $3,437+28.3% | $2,732+61.4% | $4,839-8.9% |
| Participant deferral / active EE | $8,702 | $5,182+67.9% | $4,487+93.9% | $6,342+37.2% |
| Admin fee / account holder | $19,138 | $10,621+80.2% | $7,965+140.3% | $12,315+55.4% |