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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 | $521,318 | $153,769+239.0% | $133,975+289.1% | $273,972+90.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 11.44% | 36.51%-25.1pp | 29.29%-17.9pp | 41.46%-30.0pp |
| Employer contribution / active EE | $13,717 | $6,029+127.5% | $5,211+163.2% | $4,869+181.7% |
| Participant deferral / active EE | $14,334 | $6,958+106.0% | $6,282+128.2% | $5,287+171.1% |
| Admin fee / account holder | $1,523 | $11,765-87.1% | $9,324-83.7% | $10,133-85.0% |