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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 | $515,930 | $184,014+180.4% | $161,149+220.2% | $138,895+271.5% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 17.21% | 21.52%-4.3pp | 21.16%-3.9pp | 145.39%-128.2pp |
| Employer contribution / active EE | $28,310 | $5,055+460.0% | $4,360+549.3% | $4,194+575.0% |
| Participant deferral / active EE | $25,887 | $6,909+274.7% | $6,153+320.7% | $6,396+304.7% |
| Admin fee / account holder | $4,277 | $18,027-76.3% | $15,194-71.9% | $12,562-66.0% |