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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 | $474,468 | $110,337+330.0% | $102,383+363.4% | $145,877+225.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 22.64% | 24.83%-2.2pp | 24.94%-2.3pp | 551.28%-528.6pp |
| Employer contribution / active EE | $28,240 | $4,216+569.8% | $3,870+629.7% | $4,663+505.6% |
| Participant deferral / active EE | $19,362 | $5,621+244.5% | $5,060+282.7% | $6,691+189.4% |
| Admin fee / account holder | $8,121 | $9,750-16.7% | $8,391-3.2% | $13,402-39.4% |