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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 | $684,336 | $154,228+343.7% | $145,433+370.6% | $137,256+398.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 19.77% | 74.59%-54.8pp | 66.58%-46.8pp | 220.34%-200.6pp |
| Employer contribution / active EE | $8,180 | $4,804+70.3% | $4,554+79.6% | $4,156+96.8% |
| Participant deferral / active EE | $28,417 | $8,216+245.9% | $7,897+259.8% | $6,407+343.5% |
| Admin fee / account holder | $1,973 | $14,344-86.2% | $13,129-85.0% | $12,270-83.9% |