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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 | $729,508 | $110,240+561.7% | $96,544+655.6% | $139,487+423.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 17.90% | 26.41%-8.5pp | 25.88%-8.0pp | 373.84%-355.9pp |
| Employer contribution / active EE | $4,845 | $3,622+33.7% | $2,966+63.3% | $4,755+1.9% |
| Participant deferral / active EE | $9,207 | $5,549+65.9% | $4,851+89.8% | $6,713+37.2% |
| Admin fee / account holder | $17,308 | $11,602+49.2% | $8,254+109.7% | $11,407+51.7% |