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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 | $1,076,465 | $172,111+525.4% | $150,298+616.2% | $137,256+684.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 150.49% | 69.37%+81.1pp | 62.79%+87.7pp | 220.34%-69.8pp |
| Employer contribution / active EE | $4,513 | $4,636-2.7% | $4,154+8.6% | $4,156+8.6% |
| Participant deferral / active EE | $11,878 | $6,166+92.7% | $5,453+117.8% | $6,407+85.4% |
| Admin fee / account holder | $7,123 | $16,471-56.8% | $14,116-49.5% | $12,270-41.9% |