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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 | $551,392 | $135,905+305.7% | $126,068+337.4% | $198,609+177.6% |
| Participation rate | 100.0% | 85.6%+14.4pp | 84.7%+15.3pp | 82.4%+17.6pp |
| Annual return | 12.11% | 14.07%-2.0pp | 15.01%-2.9pp | 202.70%-190.6pp |
| Employer contribution / active EE | $16,114 | $4,245+279.6% | $3,968+306.1% | $5,055+218.7% |
| Participant deferral / active EE | $11,505 | $8,523+35.0% | $8,214+40.1% | $6,977+64.9% |
| Admin fee / account holder | $49,719 | $21,036+136.4% | $18,264+172.2% | $19,030+161.3% |