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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 | $1,433,759 | $275,752+419.9% | $256,809+458.3% | $198,609+621.9% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 10.05% | 34.81%-24.8pp | 32.73%-22.7pp | 202.70%-192.6pp |
| Employer contribution / active EE | $2,932 | $7,721-62.0% | $7,263-59.6% | $5,055-42.0% |
| Participant deferral / active EE | $22,010 | $10,037+119.3% | $9,520+131.2% | $6,977+215.5% |
| Admin fee / account holder | $45,022 | $25,716+75.1% | $25,146+79.0% | $19,030+136.6% |