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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 | $211,105+275.5% | $178,449+344.2% | $145,978+443.0% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.27% | 30.19%-17.9pp | 27.09%-14.8pp | 550.52%-538.2pp |
| Employer contribution / active EE | $35,494 | $4,569+676.9% | $3,951+798.4% | $4,662+661.4% |
| Participant deferral / active EE | $28,000 | $6,959+302.3% | $6,277+346.1% | $6,690+318.6% |
| Admin fee / account holder | $14,080 | $12,017+17.2% | $10,362+35.9% | $13,400+5.1% |