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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 | $792,958 | $68,097+1064.4% | $62,929+1160.1% | $137,256+477.7% |
| Participation rate | 100.0% | 77.4%+22.6pp | 73.1%+26.9pp | 80.0%+20.0pp |
| Annual return | 16.96% | 1859.11%-1842.2pp | 1063.93%-1047.0pp | 220.34%-203.4pp |
| Employer contribution / active EE | $1,787 | $2,811-36.4% | $2,505-28.7% | $4,156-57.0% |
| Participant deferral / active EE | $8,448 | $4,553+85.6% | $3,888+117.3% | $6,407+31.9% |
| Admin fee / account holder | $5,158 | $6,521-20.9% | $5,065+1.8% | $12,270-58.0% |