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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 | $584,276 | $165,399+253.3% | $149,745+290.2% | $158,982+267.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 19.50% | 348.34%-328.8pp | 276.72%-257.2pp | 302.99%-283.5pp |
| Employer contribution / active EE | $2,022 | $5,105-60.4% | $4,646-56.5% | $4,763-57.5% |
| Participant deferral / active EE | $18,820 | $7,183+162.0% | $6,843+175.0% | $5,983+214.5% |
| Admin fee / account holder | $3,784 | $10,811-65.0% | $9,312-59.4% | $11,252-66.4% |