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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 | $596,320 | $184,014+224.1% | $161,149+270.0% | $138,895+329.3% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 15.00% | 21.52%-6.5pp | 21.16%-6.2pp | 145.39%-130.4pp |
| Employer contribution / active EE | $15,800 | $5,055+212.5% | $4,360+262.4% | $4,194+276.7% |
| Participant deferral / active EE | $4,868 | $6,909-29.5% | $6,153-20.9% | $6,396-23.9% |
| Admin fee / account holder | $447 | $18,027-97.5% | $15,194-97.1% | $12,562-96.4% |