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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 | $1,292,890 | $156,398+726.7% | $147,318+777.6% | $138,895+830.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 14.11% | 78.75%-64.6pp | 70.43%-56.3pp | 145.39%-131.3pp |
| Employer contribution / active EE | $5,938 | $4,853+22.3% | $4,593+29.3% | $4,194+41.6% |
| Participant deferral / active EE | $20,934 | $8,237+154.1% | $7,906+164.8% | $6,396+227.3% |
| Admin fee / account holder | $21,413 | $14,976+43.0% | $13,708+56.2% | $12,562+70.5% |