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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 | $547,518 | $117,829+364.7% | $102,423+434.6% | $145,877+275.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 11.94% | 31.83%-19.9pp | 29.42%-17.5pp | 551.28%-539.3pp |
| Employer contribution / active EE | $6,795 | $3,615+88.0% | $3,023+124.8% | $4,663+45.7% |
| Participant deferral / active EE | $31,014 | $5,732+441.0% | $5,054+513.6% | $6,691+363.6% |
| Admin fee / account holder | $1,247 | $13,335-90.6% | $9,455-86.8% | $13,402-90.7% |