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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 | $1,018,027 | $124,346+718.7% | $111,308+814.6% | $167,536+507.6% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 10.71% | 37.45%-26.7pp | 54.67%-44.0pp | 478.82%-468.1pp |
| Employer contribution / active EE | $34,616 | $3,437+907.1% | $2,732+1167.1% | $4,839+615.3% |
| Participant deferral / active EE | $26,000 | $5,182+401.8% | $4,487+479.4% | $6,342+309.9% |
| Admin fee / account holder | $7,711 | $10,621-27.4% | $7,965-3.2% | $12,315-37.4% |