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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 | $591,933 | $138,312+328.0% | $122,979+381.3% | $155,188+281.4% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 14.47% | 22.06%-7.6pp | 20.12%-5.6pp | 148.84%-134.4pp |
| Employer contribution / active EE | $7,379 | $3,530+109.0% | $3,062+140.9% | $4,248+73.7% |
| Participant deferral / active EE | $18,666 | $5,592+233.8% | $5,003+273.1% | $6,531+185.8% |
| Admin fee / account holder | $3,231 | $15,089-78.6% | $12,864-74.9% | $14,480-77.7% |