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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 | $677,119 | $126,661+434.6% | $113,397+497.1% | $138,895+387.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 10.49% | 25.05%-14.6pp | 23.20%-12.7pp | 145.39%-134.9pp |
| Employer contribution / active EE | $2,865 | $3,456-17.1% | $2,977-3.8% | $4,194-31.7% |
| Participant deferral / active EE | $9,215 | $5,693+61.9% | $5,076+81.5% | $6,396+44.1% |
| Admin fee / account holder | $4,924 | $14,549-66.2% | $11,957-58.8% | $12,562-60.8% |