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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 | $213,785+260.8% | $185,441+316.0% | $155,188+397.1% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 18.19% | 19.97%-1.8pp | 20.16%-2.0pp | 148.84%-130.6pp |
| Employer contribution / active EE | $23,500 | $5,393+335.8% | $4,672+403.0% | $4,248+453.2% |
| Participant deferral / active EE | $23,500 | $6,864+242.4% | $6,152+282.0% | $6,531+259.8% |
| Admin fee / account holder | $488 | $21,134-97.7% | $17,890-97.3% | $14,480-96.6% |