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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 | $687,111 | $110,303+522.9% | $95,759+617.5% | $139,487+392.6% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 12.77% | 27.19%-14.4pp | 28.42%-15.6pp | 373.84%-361.1pp |
| Employer contribution / active EE | $13,794 | $3,261+323.0% | $2,836+386.3% | $4,755+190.1% |
| Participant deferral / active EE | $30,000 | $4,674+541.8% | $4,244+606.9% | $6,713+346.9% |
| Admin fee / account holder | $24,633 | $6,615+272.4% | $5,678+333.8% | $11,407+115.9% |