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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 | $578,683 | $102,245+466.0% | $89,340+547.7% | $137,256+321.6% |
| Participation rate | 100.0% | 74.9%+25.1pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 11.92% | 21.89%-10.0pp | 20.57%-8.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $11,574 | $2,529+357.6% | $2,231+418.7% | $4,156+178.5% |
| Participant deferral / active EE | $5,167 | $4,436+16.5% | $3,823+35.2% | $6,407-19.4% |
| Admin fee / account holder | $1,967 | $8,085-75.7% | $6,704-70.7% | $12,270-84.0% |