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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 | $508,922 | $201,259+152.9% | $184,200+176.3% | $145,959+248.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.64% | 28.98%-13.3pp | 28.80%-13.2pp | 561.95%-546.3pp |
| Employer contribution / active EE | $15,960 | $7,018+127.4% | $6,424+148.4% | $4,661+242.4% |
| Participant deferral / active EE | $11,476 | $9,806+17.0% | $9,132+25.7% | $6,689+71.6% |
| Admin fee / account holder | $10,785 | $16,372-34.1% | $13,907-22.4% | $13,398-19.5% |