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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 | $632,336 | $156,398+304.3% | $147,318+329.2% | $138,895+355.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 12.85% | 78.75%-65.9pp | 70.43%-57.6pp | 145.39%-132.5pp |
| Employer contribution / active EE | $6,019 | $4,853+24.0% | $4,593+31.1% | $4,194+43.5% |
| Participant deferral / active EE | $23,983 | $8,237+191.2% | $7,906+203.3% | $6,396+275.0% |
| Admin fee / account holder | $2,978 | $14,976-80.1% | $13,708-78.3% | $12,562-76.3% |