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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 | $1,189,382 | $178,174+567.5% | $156,181+661.5% | $137,256+766.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 19.40% | 84.19%-64.8pp | 64.87%-45.5pp | 220.34%-200.9pp |
| Employer contribution / active EE | $27,508 | $4,972+453.3% | $4,294+540.6% | $4,156+561.9% |
| Participant deferral / active EE | $17,375 | $6,888+152.3% | $6,132+183.3% | $6,407+171.2% |
| Admin fee / account holder | $1,075 | $17,404-93.8% | $14,586-92.6% | $12,270-91.2% |