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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 | $103,164+460.9% | $90,259+541.1% | $154,746+274.0% |
| Participation rate | 100.0% | 76.1%+23.9pp | 70.7%+29.3pp | 80.7%+19.3pp |
| Annual return | 11.92% | 19.25%-7.3pp | 18.88%-7.0pp | 172.34%-160.4pp |
| Employer contribution / active EE | $11,574 | $2,532+357.2% | $2,291+405.1% | $4,379+164.3% |
| Participant deferral / active EE | $5,167 | $4,422+16.9% | $3,827+35.0% | $6,730-23.2% |
| Admin fee / account holder | $1,967 | $8,593-77.1% | $7,267-72.9% | $14,365-86.3% |