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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 | $731,196 | $154,228+374.1% | $145,433+402.8% | $137,256+432.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 20.55% | 74.59%-54.0pp | 66.58%-46.0pp | 220.34%-199.8pp |
| Employer contribution / active EE | $1,647 | $4,804-65.7% | $4,554-63.8% | $4,156-60.4% |
| Participant deferral / active EE | $25,388 | $8,216+209.0% | $7,897+221.5% | $6,407+296.3% |
| Admin fee / account holder | $14,440 | $14,344+0.7% | $13,129+10.0% | $12,270+17.7% |