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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 | $729,108 | $201,259+262.3% | $184,200+295.8% | $145,959+399.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 23.49% | 28.98%-5.5pp | 28.80%-5.3pp | 561.95%-538.5pp |
| Employer contribution / active EE | $8,381 | $7,018+19.4% | $6,424+30.5% | $4,661+79.8% |
| Participant deferral / active EE | $13,667 | $9,806+39.4% | $9,132+49.7% | $6,689+104.3% |
| Admin fee / account holder | $23,625 | $16,372+44.3% | $13,907+69.9% | $13,398+76.3% |