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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 | $724,885 | $199,109+264.1% | $173,730+317.2% | $154,746+368.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 16.63% | 20.02%-3.4pp | 19.96%-3.3pp | 172.34%-155.7pp |
| Employer contribution / active EE | $22,830 | $5,311+329.9% | $4,577+398.8% | $4,379+421.4% |
| Participant deferral / active EE | $11,567 | $7,113+62.6% | $6,326+82.8% | $6,730+71.9% |
| Admin fee / account holder | $64,377 | $20,916+207.8% | $17,523+267.4% | $14,365+348.1% |