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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 | $766,473 | $213,785+258.5% | $185,441+313.3% | $155,188+393.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 19.19% | 19.97%-0.8pp | 20.16%-1.0pp | 148.84%-129.6pp |
| Employer contribution / active EE | $28,032 | $5,393+419.8% | $4,672+500.0% | $4,248+559.9% |
| Participant deferral / active EE | $26,560 | $6,864+286.9% | $6,152+331.8% | $6,531+306.7% |
| Admin fee / account holder | $15,156 | $21,134-28.3% | $17,890-15.3% | $14,480+4.7% |