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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 | $1,171,199 | $201,259+481.9% | $184,200+535.8% | $145,959+702.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 27.34% | 28.98%-1.6pp | 28.80%-1.5pp | 561.95%-534.6pp |
| Employer contribution / active EE | $23,500 | $7,018+234.9% | $6,424+265.8% | $4,661+404.2% |
| Participant deferral / active EE | $15,250 | $9,806+55.5% | $9,132+67.0% | $6,689+128.0% |
| Admin fee / account holder | $835 | $16,372-94.9% | $13,907-94.0% | $13,398-93.8% |