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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 | $659,834 | $213,785+208.6% | $185,441+255.8% | $155,188+325.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 17.57% | 19.97%-2.4pp | 20.16%-2.6pp | 148.84%-131.3pp |
| Employer contribution / active EE | $17,767 | $5,393+229.4% | $4,672+280.3% | $4,248+318.3% |
| Participant deferral / active EE | $11,700 | $6,864+70.4% | $6,152+90.2% | $6,531+79.1% |
| Admin fee / account holder | $2,720 | $21,134-87.1% | $17,890-84.8% | $14,480-81.2% |