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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 | $1,113,490 | $162,136+586.8% | $152,301+631.1% | $154,746+619.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 13.09% | 91.02%-77.9pp | 80.50%-67.4pp | 172.34%-159.2pp |
| Employer contribution / active EE | $3,978 | $4,890-18.7% | $4,624-14.0% | $4,379-9.2% |
| Participant deferral / active EE | $3,917 | $8,341-53.0% | $8,004-51.1% | $6,730-41.8% |
| Admin fee / account holder | $37,365 | $15,759+137.1% | $14,398+159.5% | $14,365+160.1% |