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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 | $1,272,063 | $154,228+724.8% | $145,433+774.7% | $137,256+826.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 15.20% | 74.59%-59.4pp | 66.58%-51.4pp | 220.34%-205.1pp |
| Employer contribution / active EE | $22,098 | $4,804+360.0% | $4,554+385.2% | $4,156+431.7% |
| Participant deferral / active EE | $17,900 | $8,216+117.9% | $7,897+126.7% | $6,407+179.4% |
| Admin fee / account holder | $4,521 | $14,344-68.5% | $13,129-65.6% | $12,270-63.2% |