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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 | $492,957 | $201,344+144.8% | $184,243+167.6% | $145,877+237.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 24.78% | 29.01%-4.2pp | 28.82%-4.0pp | 551.28%-526.5pp |
| Employer contribution / active EE | $10,793 | $7,022+53.7% | $6,427+67.9% | $4,663+131.5% |
| Participant deferral / active EE | $18,532 | $9,807+89.0% | $9,132+102.9% | $6,691+177.0% |
| Admin fee / account holder | $10,013 | $16,382-38.9% | $13,914-28.0% | $13,402-25.3% |