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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 | $771,424 | $199,109+287.4% | $173,730+344.0% | $154,746+398.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 18.19% | 20.02%-1.8pp | 19.96%-1.8pp | 172.34%-154.1pp |
| Employer contribution / active EE | $23,500 | $5,311+342.5% | $4,577+413.4% | $4,379+436.6% |
| Participant deferral / active EE | $23,500 | $7,113+230.4% | $6,326+271.5% | $6,730+249.2% |
| Admin fee / account holder | $488 | $20,916-97.7% | $17,523-97.2% | $14,365-96.6% |