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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 | $1,126,943 | $176,120+539.9% | $159,487+606.6% | $167,553+572.6% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 19.09% | 331.95%-312.9pp | 263.71%-244.6pp | 478.89%-459.8pp |
| Employer contribution / active EE | $19,264 | $5,299+263.5% | $4,831+298.7% | $4,840+298.1% |
| Participant deferral / active EE | $10,400 | $7,752+34.2% | $7,354+41.4% | $6,343+64.0% |
| Admin fee / account holder | $13,327 | $12,561+6.1% | $10,804+23.4% | $12,316+8.2% |