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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 | $528,070 | $115,903+355.6% | $100,528+425.3% | $158,966+232.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 13.28% | 34.80%-21.5pp | 30.90%-17.6pp | 302.95%-289.7pp |
| Employer contribution / active EE | $16,630 | $4,105+305.1% | $3,419+386.5% | $4,762+249.2% |
| Participant deferral / active EE | $14,437 | $6,677+116.2% | $6,271+130.2% | $5,983+141.3% |
| Admin fee / account holder | $5,167 | $11,000-53.0% | $8,084-36.1% | $11,250-54.1% |