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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 | $748,299 | $174,379+329.1% | $152,093+392.0% | $138,895+438.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 30.64% | 74.86%-44.2pp | 66.36%-35.7pp | 145.39%-114.8pp |
| Employer contribution / active EE | $1,882 | $4,652-59.5% | $4,175-54.9% | $4,194-55.1% |
| Participant deferral / active EE | $4,820 | $6,159-21.7% | $5,451-11.6% | $6,396-24.6% |
| Admin fee / account holder | $1,307 | $16,880-92.3% | $14,497-91.0% | $12,562-89.6% |