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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 | $682,879 | $147,556+362.8% | $129,031+429.2% | $198,609+243.8% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 11.29% | 37.41%-26.1pp | 34.67%-23.4pp | 202.70%-191.4pp |
| Employer contribution / active EE | $4,642 | $3,645+27.3% | $3,226+43.9% | $5,055-8.2% |
| Participant deferral / active EE | $15,500 | $5,760+169.1% | $5,217+197.1% | $6,977+122.2% |
| Admin fee / account holder | $169,227 | $15,467+994.1% | $13,208+1181.2% | $19,030+789.3% |