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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 | $547,942 | $213,785+156.3% | $185,441+195.5% | $155,188+253.1% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 24.56% | 19.97%+4.6pp | 20.16%+4.4pp | 148.84%-124.3pp |
| Employer contribution / active EE | $4,556 | $5,393-15.5% | $4,672-2.5% | $4,248+7.3% |
| Participant deferral / active EE | $20,902 | $6,864+204.5% | $6,152+239.8% | $6,531+220.0% |
| Admin fee / account holder | $5,364 | $21,134-74.6% | $17,890-70.0% | $14,480-63.0% |