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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 | $689,010 | $117,846+484.7% | $102,434+572.6% | $145,884+372.3% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 12.64% | 31.90%-19.3pp | 29.46%-16.8pp | 551.85%-539.2pp |
| Employer contribution / active EE | $11,569 | $3,615+220.0% | $3,023+282.7% | $4,662+148.1% |
| Participant deferral / active EE | $12,607 | $5,733+119.9% | $5,055+149.4% | $6,690+88.5% |
| Admin fee / account holder | $1,074 | $13,356-92.0% | $9,462-88.7% | $13,392-92.0% |