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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 | $735,145 | $197,625+272.0% | $177,840+313.4% | $158,966+362.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 28.46% | 58.76%-30.3pp | 48.32%-19.9pp | 302.95%-274.5pp |
| Employer contribution / active EE | $5,367 | $6,698-19.9% | $5,919-9.3% | $4,762+12.7% |
| Participant deferral / active EE | $18,334 | $8,405+118.1% | $7,714+137.7% | $5,983+206.4% |
| Admin fee / account holder | $11,588 | $15,405-24.8% | $12,431-6.8% | $11,250+3.0% |