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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 | $576,501 | $215,361+167.7% | $171,082+237.0% | $273,972+110.4% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 5.35% | 25.14%-19.8pp | 32.56%-27.2pp | 41.46%-36.1pp |
| Employer contribution / active EE | $28,756 | $4,967+478.9% | $4,002+618.5% | $4,869+490.6% |
| Participant deferral / active EE | $19,536 | $5,543+252.4% | $4,797+307.2% | $5,287+269.5% |
| Admin fee / account holder | $1,449 | $10,846-86.6% | $8,520-83.0% | $10,133-85.7% |