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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 | $975,006 | $177,595+449.0% | $148,496+556.6% | $198,609+390.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 12.37% | 9.97%+2.4pp | 12.33%0pp | 202.70%-190.3pp |
| Employer contribution / active EE | $10,500 | $4,098+156.2% | $3,497+200.2% | $5,055+107.7% |
| Participant deferral / active EE | $31,000 | $5,539+459.7% | $4,808+544.7% | $6,977+344.3% |
| Admin fee / account holder | $3,960 | $27,010-85.3% | $19,547-79.7% | $19,030-79.2% |