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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 | $790,739 | $201,370+292.7% | $184,256+329.2% | $145,897+442.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.73% | 29.05%-17.3pp | 28.85%-17.1pp | 552.29%-540.6pp |
| Employer contribution / active EE | $23,199 | $7,024+230.3% | $6,427+260.9% | $4,663+397.5% |
| Participant deferral / active EE | $22,916 | $9,808+133.6% | $9,133+150.9% | $6,689+242.6% |
| Admin fee / account holder | $400 | $16,364-97.6% | $13,899-97.1% | $13,390-97.0% |