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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 | $107,666+412.1% | $102,184+439.6% | $154,746+256.3% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 12.11% | 29.33%-17.2pp | 31.58%-19.5pp | 172.34%-160.2pp |
| Employer contribution / active EE | $16,114 | $3,846+319.0% | $3,594+348.4% | $4,379+268.0% |
| Participant deferral / active EE | $11,505 | $8,719+31.9% | $8,309+38.5% | $6,730+70.9% |
| Admin fee / account holder | $49,719 | $12,943+284.1% | $11,609+328.3% | $14,365+246.1% |