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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 | $604,169 | $123,155+390.6% | $108,753+455.5% | $155,188+289.3% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 13.68% | 44.73%-31.1pp | 37.47%-23.8pp | 148.84%-135.2pp |
| Employer contribution / active EE | $9,940 | $2,811+253.6% | $2,427+309.6% | $4,248+134.0% |
| Participant deferral / active EE | $7,252 | $4,623+56.9% | $4,115+76.2% | $6,531+11.0% |
| Admin fee / account holder | $1,178 | $12,126-90.3% | $10,320-88.6% | $14,480-91.9% |