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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 | $698,606 | $110,379+532.9% | $102,412+582.2% | $145,884+378.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 23.87% | 24.84%-1.0pp | 24.94%-1.1pp | 551.85%-528.0pp |
| Employer contribution / active EE | $2,201 | $4,216-47.8% | $3,870-43.1% | $4,662-52.8% |
| Participant deferral / active EE | $11,268 | $5,622+100.4% | $5,060+122.7% | $6,690+68.4% |
| Admin fee / account holder | $7,250 | $9,745-25.6% | $8,388-13.6% | $13,392-45.9% |