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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 | $565,279 | $153,769+267.6% | $133,975+321.9% | $273,972+106.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 10.12% | 36.51%-26.4pp | 29.29%-19.2pp | 41.46%-31.3pp |
| Employer contribution / active EE | $38,791 | $6,029+543.4% | $5,211+644.4% | $4,869+696.7% |
| Participant deferral / active EE | $24,000 | $6,958+244.9% | $6,282+282.1% | $5,287+353.9% |
| Admin fee / account holder | $4,839 | $11,765-58.9% | $9,324-48.1% | $10,133-52.2% |