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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 | $167,030+659.6% | $135,768+834.5% | $155,188+717.5% |
| Participation rate | 100.0% | 76.2%+23.8pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 16.75% | 678.39%-661.6pp | 526.10%-509.3pp | 148.84%-132.1pp |
| Employer contribution / active EE | $26,044 | $4,132+530.2% | $3,394+667.4% | $4,248+513.1% |
| Participant deferral / active EE | $18,167 | $4,528+301.2% | $3,977+356.8% | $6,531+178.2% |
| Admin fee / account holder | $8,940 | $8,172+9.4% | $7,048+26.8% | $14,480-38.3% |