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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 | $139,948+345.2% | $121,663+412.1% | $154,746+302.6% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 11.12% | 230.52%-219.4pp | 147.54%-136.4pp | 172.34%-161.2pp |
| Employer contribution / active EE | $2,394 | $3,521-32.0% | $3,020-20.7% | $4,379-45.3% |
| Participant deferral / active EE | $19,494 | $5,629+246.3% | $4,887+298.9% | $6,730+189.6% |
| Admin fee / account holder | $11,127 | $17,321-35.8% | $14,289-22.1% | $14,365-22.5% |