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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 | $771,971 | $88,996+767.4% | $78,004+889.7% | $138,895+455.8% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.4%+30.6pp | 79.9%+20.1pp |
| Annual return | 16.93% | 28.03%-11.1pp | 31.07%-14.1pp | 145.39%-128.5pp |
| Employer contribution / active EE | $14,785 | $2,917+406.9% | $2,469+498.9% | $4,194+252.5% |
| Participant deferral / active EE | $8,050 | $4,724+70.4% | $4,092+96.7% | $6,396+25.9% |
| Admin fee / account holder | $8,362 | $8,807-5.1% | $7,578+10.3% | $12,562-33.4% |