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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 | $905,515 | $211,288+328.6% | $178,540+407.2% | $145,884+520.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.96% | 30.27%-15.3pp | 27.15%-12.2pp | 551.85%-536.9pp |
| Employer contribution / active EE | $2,080 | $4,574-54.5% | $3,953-47.4% | $4,662-55.4% |
| Participant deferral / active EE | $19,337 | $6,967+177.6% | $6,281+207.9% | $6,690+189.1% |
| Admin fee / account holder | $11,199 | $12,105-7.5% | $10,424+7.4% | $13,392-16.4% |