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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 | $642,921 | $227,597+182.5% | $189,575+239.1% | $167,536+283.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 19.32% | 78.44%-59.1pp | 64.19%-44.9pp | 478.82%-459.5pp |
| Employer contribution / active EE | $17,862 | $5,316+236.0% | $4,412+304.9% | $4,839+269.1% |
| Participant deferral / active EE | $17,403 | $7,002+148.5% | $6,174+181.9% | $6,342+174.4% |
| Admin fee / account holder | $8,594 | $11,877-27.6% | $9,806-12.4% | $12,315-30.2% |