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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 | $211,288+236.0% | $178,540+297.6% | $145,884+386.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 34.80% | 30.27%+4.5pp | 27.15%+7.7pp | 551.85%-517.0pp |
| Employer contribution / active EE | $24,100 | $4,574+426.9% | $3,953+509.7% | $4,662+416.9% |
| Participant deferral / active EE | $27,828 | $6,967+299.4% | $6,281+343.1% | $6,690+316.0% |
| Admin fee / account holder | $1,648 | $12,105-86.4% | $10,424-84.2% | $13,392-87.7% |