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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 | $1,071,218 | $184,000+482.2% | $162,185+560.5% | $152,909+600.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 14.05% | 150.80%-136.7pp | 115.61%-101.6pp | 345.46%-331.4pp |
| Employer contribution / active EE | $3,334 | $6,370-47.7% | $5,613-40.6% | $4,764-30.0% |
| Participant deferral / active EE | $17,530 | $8,033+118.2% | $7,297+140.2% | $5,851+199.6% |
| Admin fee / account holder | $12,994 | $13,124-1.0% | $10,844+19.8% | $11,601+12.0% |