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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 | $792,700 | $211,288+275.2% | $178,540+344.0% | $145,884+443.4% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.27% | 30.27%-18.0pp | 27.15%-14.9pp | 551.85%-539.6pp |
| Employer contribution / active EE | $35,494 | $4,574+676.0% | $3,953+797.9% | $4,662+661.3% |
| Participant deferral / active EE | $28,000 | $6,967+301.9% | $6,281+345.8% | $6,690+318.6% |
| Admin fee / account holder | $14,080 | $12,105+16.3% | $10,424+35.1% | $13,392+5.1% |