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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 | $779,751 | $181,896+328.7% | $156,551+398.1% | $273,972+184.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 10.72% | 30.74%-20.0pp | 32.23%-21.5pp | 41.46%-30.7pp |
| Employer contribution / active EE | $6,768 | $6,248+8.3% | $5,501+23.0% | $4,869+39.0% |
| Participant deferral / active EE | $31,818 | $5,550+473.3% | $4,871+553.2% | $5,287+501.8% |
| Admin fee / account holder | $1,723 | $15,560-88.9% | $13,028-86.8% | $10,133-83.0% |