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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 | $905,515 | $211,105+328.9% | $178,449+407.4% | $145,978+520.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.96% | 30.19%-15.2pp | 27.09%-12.1pp | 550.52%-535.6pp |
| Employer contribution / active EE | $2,080 | $4,569-54.5% | $3,951-47.4% | $4,662-55.4% |
| Participant deferral / active EE | $19,337 | $6,959+177.9% | $6,277+208.1% | $6,690+189.1% |
| Admin fee / account holder | $11,199 | $12,017-6.8% | $10,362+8.1% | $13,400-16.4% |