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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 | $590,066 | $155,555+279.3% | $146,866+301.8% | $155,188+280.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 17.11% | 115.41%-98.3pp | 102.85%-85.7pp | 148.84%-131.7pp |
| Employer contribution / active EE | $6,938 | $4,647+49.3% | $4,425+56.8% | $4,248+63.3% |
| Participant deferral / active EE | $10,150 | $8,044+26.2% | $7,759+30.8% | $6,531+55.4% |
| Admin fee / account holder | $4,935 | $14,755-66.6% | $13,620-63.8% | $14,480-65.9% |