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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 | $820,130 | $97,765+738.9% | $103,486+692.5% | $145,884+462.2% |
| Participation rate | 100.0% | 81.1%+18.9pp | 80.5%+19.5pp | 80.3%+19.7pp |
| Annual return | 9.81% | 25.44%-15.6pp | 23.93%-14.1pp | 551.85%-542.0pp |
| Employer contribution / active EE | $6,086 | $4,687+29.8% | $4,679+30.1% | $4,662+30.5% |
| Participant deferral / active EE | $18,212 | $6,606+175.7% | $6,628+174.8% | $6,690+172.2% |
| Admin fee / account holder | $2,750 | $12,505-78.0% | $9,354-70.6% | $13,392-79.5% |