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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 | $603,720 | $174,379+246.2% | $152,093+296.9% | $138,895+334.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 15.62% | 74.86%-59.2pp | 66.36%-50.7pp | 145.39%-129.8pp |
| Employer contribution / active EE | $22,440 | $4,652+382.4% | $4,175+437.5% | $4,194+435.0% |
| Participant deferral / active EE | $8,083 | $6,159+31.2% | $5,451+48.3% | $6,396+26.4% |
| Admin fee / account holder | $5,283 | $16,880-68.7% | $14,497-63.6% | $12,562-57.9% |