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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 | $1,411,428 | $97,289+1350.8% | $92,805+1420.8% | $155,188+809.5% |
| Participation rate | 100.0% | 84.2%+15.8pp | 83.5%+16.5pp | 80.8%+19.2pp |
| Annual return | 16.76% | 29.03%-12.3pp | 31.59%-14.8pp | 148.84%-132.1pp |
| Employer contribution / active EE | $4,136 | $3,632+13.9% | $3,424+20.8% | $4,248-2.6% |
| Participant deferral / active EE | $20,392 | $8,795+131.8% | $8,448+141.4% | $6,531+212.2% |
| Admin fee / account holder | $95,872 | $12,015+698.0% | $10,911+778.7% | $14,480+562.1% |