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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 | $651,375 | $232,540+180.1% | $185,117+251.9% | $147,585+341.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 17.11% | 43.03%-25.9pp | 40.50%-23.4pp | 578.58%-561.5pp |
| Employer contribution / active EE | $34,927 | $5,195+572.3% | $4,182+735.3% | $4,876+616.2% |
| Participant deferral / active EE | $22,188 | $5,834+280.3% | $5,045+339.8% | $5,439+308.0% |
| Admin fee / account holder | $4,720 | $10,275-54.1% | $8,159-42.1% | $10,886-56.6% |