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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 | $690,332 | $212,386+225.0% | $199,883+245.4% | $138,895+397.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 16.94% | 47.75%-30.8pp | 43.81%-26.9pp | 145.39%-128.5pp |
| Employer contribution / active EE | $4,056 | $6,625-38.8% | $6,261-35.2% | $4,194-3.3% |
| Participant deferral / active EE | $26,195 | $9,617+172.4% | $9,138+186.6% | $6,396+309.5% |
| Admin fee / account holder | $11,752 | $18,233-35.5% | $17,268-31.9% | $12,562-6.4% |