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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 | $572,975 | $201,372+184.5% | $184,260+211.0% | $145,884+292.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 10.48% | 29.04%-18.6pp | 28.84%-18.4pp | 551.85%-541.4pp |
| Employer contribution / active EE | $4,308 | $7,024-38.7% | $6,427-33.0% | $4,662-7.6% |
| Participant deferral / active EE | $26,703 | $9,808+172.3% | $9,133+192.4% | $6,690+299.2% |
| Admin fee / account holder | $14,475 | $16,362-11.5% | $13,898+4.1% | $13,392+8.1% |