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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 | $1,121,799 | $185,312+505.4% | $161,489+594.7% | $154,746+624.9% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 17.03% | 103.84%-86.8pp | 89.72%-72.7pp | 172.34%-155.3pp |
| Employer contribution / active EE | $20,553 | $4,769+330.9% | $4,268+381.5% | $4,379+369.3% |
| Participant deferral / active EE | $15,684 | $6,350+147.0% | $5,630+178.6% | $6,730+133.0% |
| Admin fee / account holder | $680 | $18,654-96.4% | $16,006-95.8% | $14,365-95.3% |