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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 | $638,840 | $165,939+285.0% | $122,354+422.1% | $147,586+332.9% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 13.91% | 34.56%-20.6pp | 30.28%-16.4pp | 578.59%-564.7pp |
| Employer contribution / active EE | $8,804 | $5,754+53.0% | $4,051+117.3% | $4,876+80.5% |
| Participant deferral / active EE | $17,716 | $4,005+342.3% | $3,287+438.9% | $5,439+225.7% |
| Admin fee / account holder | $3,562 | $7,425-52.0% | $5,479-35.0% | $10,886-67.3% |