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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 | $623,075 | $142,354+337.7% | $125,529+396.4% | $155,188+301.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 74.7%+25.3pp | 80.8%+19.2pp |
| Annual return | 11.12% | 306.06%-294.9pp | 202.56%-191.4pp | 148.84%-137.7pp |
| Employer contribution / active EE | $2,394 | $3,501-31.6% | $3,058-21.7% | $4,248-43.6% |
| Participant deferral / active EE | $19,494 | $5,491+255.0% | $4,813+305.1% | $6,531+198.5% |
| Admin fee / account holder | $11,127 | $19,392-42.6% | $16,298-31.7% | $14,480-23.2% |