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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 | $588,549 | $100,970+482.9% | $96,576+509.4% | $137,256+328.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 15.98% | 38.16%-22.2pp | 38.47%-22.5pp | 220.34%-204.4pp |
| Employer contribution / active EE | $5,545 | $3,809+45.6% | $3,553+56.1% | $4,156+33.4% |
| Participant deferral / active EE | $14,128 | $8,286+70.5% | $7,956+77.6% | $6,407+120.5% |
| Admin fee / account holder | $1,128 | $11,312-90.0% | $11,381-90.1% | $12,270-90.8% |