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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 | $555,007 | $102,609+440.9% | $98,090+465.8% | $138,895+299.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 15.38% | 36.44%-21.1pp | 37.05%-21.7pp | 145.39%-130.0pp |
| Employer contribution / active EE | $11,267 | $3,867+191.3% | $3,606+212.4% | $4,194+168.6% |
| Participant deferral / active EE | $21,895 | $8,167+168.1% | $7,845+179.1% | $6,396+242.3% |
| Admin fee / account holder | $8,029 | $11,434-29.8% | $11,815-32.0% | $12,562-36.1% |