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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 | $627,526 | $196,972+218.6% | $182,262+244.3% | $198,609+216.0% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 19.36% | 158.27%-138.9pp | 140.60%-121.2pp | 202.70%-183.3pp |
| Employer contribution / active EE | $28,934 | $5,364+439.5% | $5,046+473.4% | $5,055+472.3% |
| Participant deferral / active EE | $14,766 | $8,643+70.9% | $8,276+78.4% | $6,977+111.6% |
| Admin fee / account holder | $3,845 | $18,429-79.1% | $16,712-77.0% | $19,030-79.8% |