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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 | $115,911+530.7% | $100,530+627.2% | $158,950+359.9% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 16.77% | 34.80%-18.0pp | 30.89%-14.1pp | 302.91%-286.1pp |
| Employer contribution / active EE | $6,799 | $4,104+65.7% | $3,418+98.9% | $4,762+42.8% |
| Participant deferral / active EE | $26,000 | $6,676+289.5% | $6,271+314.6% | $5,983+334.6% |
| Admin fee / account holder | $8,622 | $10,999-21.6% | $8,083+6.7% | $11,248-23.4% |