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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 | $951,947 | $254,759+273.7% | $216,567+339.6% | $198,609+379.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 6.88% | 10.04%-3.2pp | 12.94%-6.1pp | 202.70%-195.8pp |
| Employer contribution / active EE | $19,346 | $6,096+217.3% | $5,216+270.9% | $5,055+282.7% |
| Participant deferral / active EE | $11,583 | $6,948+66.7% | $6,191+87.1% | $6,977+66.0% |
| Admin fee / account holder | $6,074 | $26,311-76.9% | $21,981-72.4% | $19,030-68.1% |