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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 | $455,710 | $213,785+113.2% | $185,441+145.7% | $155,188+193.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 12.02% | 19.97%-7.9pp | 20.16%-8.1pp | 148.84%-136.8pp |
| Employer contribution / active EE | $10,616 | $5,393+96.8% | $4,672+127.2% | $4,248+149.9% |
| Participant deferral / active EE | $10,296 | $6,864+50.0% | $6,152+67.4% | $6,531+57.7% |
| Admin fee / account holder | $31,606 | $21,134+49.5% | $17,890+76.7% | $14,480+118.3% |