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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 | $595,756 | $201,344+195.9% | $184,243+223.4% | $145,877+308.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 26.95% | 29.01%-2.1pp | 28.82%-1.9pp | 551.28%-524.3pp |
| Employer contribution / active EE | $16,173 | $7,022+130.3% | $6,427+151.6% | $4,663+246.8% |
| Participant deferral / active EE | $20,325 | $9,807+107.3% | $9,132+122.6% | $6,691+203.8% |
| Admin fee / account holder | $18,599 | $16,382+13.5% | $13,914+33.7% | $13,402+38.8% |