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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 | $1,124,533 | $275,752+307.8% | $256,809+337.9% | $198,609+466.2% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 16.40% | 34.81%-18.4pp | 32.73%-16.3pp | 202.70%-186.3pp |
| Employer contribution / active EE | $19,368 | $7,721+150.9% | $7,263+166.7% | $5,055+283.1% |
| Participant deferral / active EE | $13,468 | $10,037+34.2% | $9,520+41.5% | $6,977+93.0% |
| Admin fee / account holder | $4,977 | $25,716-80.6% | $25,146-80.2% | $19,030-73.8% |