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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 | $553,154 | $209,336+164.2% | $197,124+180.6% | $137,256+303.0% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 49.86% | 48.09%+1.8pp | 44.34%+5.5pp | 220.34%-170.5pp |
| Employer contribution / active EE | $4,995 | $6,591-24.2% | $6,227-19.8% | $4,156+20.2% |
| Participant deferral / active EE | $7,488 | $9,614-22.1% | $9,135-18.0% | $6,407+16.9% |
| Admin fee / account holder | $434 | $17,308-97.5% | $16,298-97.3% | $12,270-96.5% |