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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 | $780,277 | $211,288+269.3% | $178,540+337.0% | $145,884+434.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 11.94% | 30.27%-18.3pp | 27.15%-15.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $14,340 | $4,574+213.5% | $3,953+262.8% | $4,662+207.6% |
| Participant deferral / active EE | $7,625 | $6,967+9.5% | $6,281+21.4% | $6,690+14.0% |
| Admin fee / account holder | $2,241 | $12,105-81.5% | $10,424-78.5% | $13,392-83.3% |