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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 | $902,370 | $199,109+353.2% | $173,730+419.4% | $154,746+483.1% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 19.60% | 20.02%-0.4pp | 19.96%-0.4pp | 172.34%-152.7pp |
| Employer contribution / active EE | $7,390 | $5,311+39.1% | $4,577+61.4% | $4,379+68.8% |
| Participant deferral / active EE | $21,917 | $7,113+208.1% | $6,326+246.4% | $6,730+225.6% |
| Admin fee / account holder | $97,043 | $20,916+364.0% | $17,523+453.8% | $14,365+575.5% |