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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 | $604,169 | $115,225+424.3% | $100,712+499.9% | $138,895+335.0% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 13.68% | 40.35%-26.7pp | 33.27%-19.6pp | 145.39%-131.7pp |
| Employer contribution / active EE | $9,940 | $2,771+258.7% | $2,313+329.8% | $4,194+137.0% |
| Participant deferral / active EE | $7,252 | $4,699+54.3% | $4,085+77.5% | $6,396+13.4% |
| Admin fee / account holder | $1,178 | $10,844-89.1% | $9,256-87.3% | $12,562-90.6% |