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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 | $530,137 | $154,228+243.7% | $145,433+264.5% | $137,256+286.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 16.63% | 74.59%-58.0pp | 66.58%-49.9pp | 220.34%-203.7pp |
| Employer contribution / active EE | $4,422 | $4,804-8.0% | $4,554-2.9% | $4,156+6.4% |
| Participant deferral / active EE | $7,052 | $8,216-14.2% | $7,897-10.7% | $6,407+10.1% |
| Admin fee / account holder | $21,076 | $14,344+46.9% | $13,129+60.5% | $12,270+71.8% |