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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 | $554,205 | $157,829+251.1% | $136,867+304.9% | $198,609+179.0% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 9.10% | 51.25%-42.1pp | 42.97%-33.9pp | 202.70%-193.6pp |
| Employer contribution / active EE | $2,729 | $3,923-30.4% | $3,547-23.1% | $5,055-46.0% |
| Participant deferral / active EE | $6,417 | $5,463+17.5% | $4,924+30.3% | $6,977-8.0% |
| Admin fee / account holder | $449 | $11,107-96.0% | $10,340-95.7% | $19,030-97.6% |