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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 | $912,512 | $136,860+566.7% | $120,344+658.3% | $154,746+489.7% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 12.00% | 21.38%-9.4pp | 20.30%-8.3pp | 172.34%-160.3pp |
| Employer contribution / active EE | $4,918 | $3,533+39.2% | $3,020+62.9% | $4,379+12.3% |
| Participant deferral / active EE | $9,410 | $5,793+62.4% | $5,135+83.3% | $6,730+39.8% |
| Admin fee / account holder | $25,017 | $15,393+62.5% | $12,742+96.3% | $14,365+74.1% |