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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 | $1,268,725 | $162,529+680.6% | $130,788+870.1% | $154,746+719.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 16.75% | 510.48%-493.7pp | 386.44%-369.7pp | 172.34%-155.6pp |
| Employer contribution / active EE | $26,044 | $4,447+485.6% | $3,558+632.0% | $4,379+494.7% |
| Participant deferral / active EE | $18,167 | $4,808+277.8% | $4,137+339.1% | $6,730+169.9% |
| Admin fee / account holder | $8,940 | $7,669+16.6% | $6,673+34.0% | $14,365-37.8% |