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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 | $1,920,976 | $165,399+1061.4% | $149,745+1182.8% | $158,982+1108.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 324.90% | 348.34%-23.4pp | 276.72%+48.2pp | 302.99%+21.9pp |
| Employer contribution / active EE | $4,191 | $5,105-17.9% | $4,646-9.8% | $4,763-12.0% |
| Participant deferral / active EE | $9,032 | $7,183+25.7% | $6,843+32.0% | $5,983+50.9% |
| Admin fee / account holder | $9,945 | $10,811-8.0% | $9,312+6.8% | $11,252-11.6% |