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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 | $608,885 | $201,264+202.5% | $184,185+230.6% | $145,978+317.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.56% | 29.00%-10.4pp | 28.81%-10.3pp | 550.52%-532.0pp |
| Employer contribution / active EE | $16,823 | $7,021+139.6% | $6,426+161.8% | $4,662+260.9% |
| Participant deferral / active EE | $8,032 | $9,806-18.1% | $9,132-12.1% | $6,690+20.1% |
| Admin fee / account holder | $16,566 | $16,376+1.2% | $13,909+19.1% | $13,400+23.6% |