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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 | $950,940 | $100,970+841.8% | $96,576+884.7% | $137,256+592.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 15.04% | 38.16%-23.1pp | 38.47%-23.4pp | 220.34%-205.3pp |
| Employer contribution / active EE | $4,621 | $3,809+21.3% | $3,553+30.1% | $4,156+11.2% |
| Participant deferral / active EE | $16,914 | $8,286+104.1% | $7,956+112.6% | $6,407+164.0% |
| Admin fee / account holder | $323 | $11,312-97.1% | $11,381-97.2% | $12,270-97.4% |