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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 | $199,109+497.4% | $173,730+584.6% | $154,746+668.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 19.40% | 20.02%-0.6pp | 19.96%-0.6pp | 172.34%-152.9pp |
| Employer contribution / active EE | $27,508 | $5,311+417.9% | $4,577+501.0% | $4,379+528.2% |
| Participant deferral / active EE | $17,375 | $7,113+144.3% | $6,326+174.6% | $6,730+158.2% |
| Admin fee / account holder | $1,075 | $20,916-94.9% | $17,523-93.9% | $14,365-92.5% |