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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 | $495,013 | $201,264+146.0% | $184,185+168.8% | $145,978+239.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.93% | 29.00%-10.1pp | 28.81%-9.9pp | 550.52%-531.6pp |
| Employer contribution / active EE | $23,400 | $7,021+233.3% | $6,426+264.2% | $4,662+402.0% |
| Participant deferral / active EE | $30,000 | $9,806+205.9% | $9,132+228.5% | $6,690+348.5% |
| Admin fee / account holder | $2,033 | $16,376-87.6% | $13,909-85.4% | $13,400-84.8% |