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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 | $1,395,592 | $134,817+935.2% | $123,973+1025.7% | $155,188+799.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 17.67% | 515.49%-497.8pp | 388.13%-370.5pp | 148.84%-131.2pp |
| Employer contribution / active EE | $5,234 | $4,425+18.3% | $4,126+26.9% | $4,248+23.2% |
| Participant deferral / active EE | $19,541 | $5,706+242.4% | $5,247+272.4% | $6,531+199.2% |
| Admin fee / account holder | $54,528 | $13,245+311.7% | $11,799+362.1% | $14,480+276.6% |