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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 | $731,049 | $115,917+530.7% | $100,535+627.2% | $158,982+359.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 16.77% | 34.80%-18.0pp | 30.90%-14.1pp | 302.99%-286.2pp |
| Employer contribution / active EE | $6,799 | $4,105+65.6% | $3,419+98.9% | $4,763+42.8% |
| Participant deferral / active EE | $26,000 | $6,677+289.4% | $6,271+314.6% | $5,983+334.5% |
| Admin fee / account holder | $8,622 | $11,002-21.6% | $8,085+6.6% | $11,252-23.4% |