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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 | $559,978 | $201,344+178.1% | $184,243+203.9% | $145,877+283.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 19.30% | 29.01%-9.7pp | 28.82%-9.5pp | 551.28%-532.0pp |
| Employer contribution / active EE | $5,786 | $7,022-17.6% | $6,427-10.0% | $4,663+24.1% |
| Participant deferral / active EE | $16,418 | $9,807+67.4% | $9,132+79.8% | $6,691+145.4% |
| Admin fee / account holder | $526 | $16,382-96.8% | $13,914-96.2% | $13,402-96.1% |