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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 | $559,785 | $102,609+445.6% | $98,090+470.7% | $138,895+303.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 17.44% | 36.44%-19.0pp | 37.05%-19.6pp | 145.39%-128.0pp |
| Employer contribution / active EE | $4,670 | $3,867+20.8% | $3,606+29.5% | $4,194+11.3% |
| Participant deferral / active EE | $21,530 | $8,167+163.6% | $7,845+174.4% | $6,396+236.6% |
| Admin fee / account holder | $10,876 | $11,434-4.9% | $11,815-7.9% | $12,562-13.4% |