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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 | $547,693 | $126,661+332.4% | $113,397+383.0% | $138,895+294.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 18.51% | 25.05%-6.5pp | 23.20%-4.7pp | 145.39%-126.9pp |
| Employer contribution / active EE | $6,824 | $3,456+97.4% | $2,977+129.2% | $4,194+62.7% |
| Participant deferral / active EE | $12,750 | $5,693+124.0% | $5,076+151.2% | $6,396+99.3% |
| Admin fee / account holder | $543 | $14,549-96.3% | $11,957-95.5% | $12,562-95.7% |