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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 | $1,563,499 | $103,164+1415.5% | $90,259+1632.2% | $154,746+910.4% |
| Participation rate | 100.0% | 76.1%+23.9pp | 70.7%+29.3pp | 80.7%+19.3pp |
| Annual return | 17.35% | 19.25%-1.9pp | 18.88%-1.5pp | 172.34%-155.0pp |
| Employer contribution / active EE | $1,000 | $2,532-60.5% | $2,291-56.4% | $4,379-77.2% |
| Participant deferral / active EE | $5,000 | $4,422+13.1% | $3,827+30.7% | $6,730-25.7% |
| Admin fee / account holder | $16,836 | $8,593+95.9% | $7,267+131.7% | $14,365+17.2% |