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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 | $724,651 | $254,759+184.4% | $216,567+234.6% | $198,609+264.9% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 19.30% | 10.04%+9.3pp | 12.94%+6.4pp | 202.70%-183.4pp |
| Employer contribution / active EE | $11,892 | $6,096+95.1% | $5,216+128.0% | $5,055+135.2% |
| Participant deferral / active EE | $23,805 | $6,948+242.6% | $6,191+284.5% | $6,977+241.2% |
| Admin fee / account holder | $3,577 | $26,311-86.4% | $21,981-83.7% | $19,030-81.2% |