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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 | $886,047 | $102,609+763.5% | $98,090+803.3% | $138,895+537.9% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 18.36% | 36.44%-18.1pp | 37.05%-18.7pp | 145.39%-127.0pp |
| Employer contribution / active EE | $4,800 | $3,867+24.1% | $3,606+33.1% | $4,194+14.4% |
| Participant deferral / active EE | $32,875 | $8,167+302.5% | $7,845+319.1% | $6,396+414.0% |
| Admin fee / account holder | $12,024 | $11,434+5.2% | $11,815+1.8% | $12,562-4.3% |