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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 | $809,276 | $88,707+812.3% | $74,184+990.9% | $273,972+195.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.74% | 11.94%-4.2pp | 17.74%-10.0pp | 41.46%-33.7pp |
| Employer contribution / active EE | $23,000 | $3,159+628.0% | $2,370+870.4% | $4,869+372.4% |
| Participant deferral / active EE | $9,600 | $4,212+127.9% | $3,550+170.4% | $5,287+81.6% |
| Admin fee / account holder | $1,521 | $8,717-82.6% | $5,586-72.8% | $10,133-85.0% |