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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 | $603,886 | $165,361+265.2% | $149,715+303.4% | $158,950+279.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.64% | 348.24%-333.6pp | 276.66%-262.0pp | 302.91%-288.3pp |
| Employer contribution / active EE | $2,768 | $5,103-45.8% | $4,645-40.4% | $4,762-41.9% |
| Participant deferral / active EE | $7,200 | $7,182+0.3% | $6,842+5.2% | $5,983+20.4% |
| Admin fee / account holder | $11,809 | $10,808+9.3% | $9,310+26.8% | $11,248+5.0% |