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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 | $561,853 | $147,556+280.8% | $129,031+335.4% | $198,609+182.9% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 13.86% | 37.41%-23.5pp | 34.67%-20.8pp | 202.70%-188.8pp |
| Employer contribution / active EE | $28,640 | $3,645+685.8% | $3,226+787.8% | $5,055+466.5% |
| Participant deferral / active EE | $23,120 | $5,760+301.4% | $5,217+343.1% | $6,977+231.4% |
| Admin fee / account holder | $6,659 | $15,467-56.9% | $13,208-49.6% | $19,030-65.0% |