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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 | $709,866 | $211,105+236.3% | $178,449+297.8% | $145,978+386.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 34.80% | 30.19%+4.6pp | 27.09%+7.7pp | 550.52%-515.7pp |
| Employer contribution / active EE | $24,100 | $4,569+427.5% | $3,951+510.0% | $4,662+417.0% |
| Participant deferral / active EE | $27,828 | $6,959+299.9% | $6,277+343.4% | $6,690+316.0% |
| Admin fee / account holder | $1,648 | $12,017-86.3% | $10,362-84.1% | $13,400-87.7% |