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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 | $601,904 | $117,829+410.8% | $102,423+487.7% | $145,877+312.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 20.83% | 31.83%-11.0pp | 29.42%-8.6pp | 551.28%-530.4pp |
| Employer contribution / active EE | $2,682 | $3,615-25.8% | $3,023-11.3% | $4,663-42.5% |
| Participant deferral / active EE | $8,986 | $5,732+56.8% | $5,054+77.8% | $6,691+34.3% |
| Admin fee / account holder | $4,116 | $13,335-69.1% | $9,455-56.5% | $13,402-69.3% |