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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 | $543,597 | $182,442+198.0% | $163,379+232.7% | $138,895+291.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 51.16% | 72.74%-21.6pp | 63.41%-12.2pp | 145.39%-94.2pp |
| Employer contribution / active EE | $3,990 | $4,159-4.1% | $3,752+6.3% | $4,194-4.9% |
| Participant deferral / active EE | $18,433 | $6,817+170.4% | $6,282+193.4% | $6,396+188.2% |
| Admin fee / account holder | $150,000 | $10,396+1342.9% | $9,818+1427.8% | $12,562+1094.1% |