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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 | $1,102,444 | $154,228+614.8% | $145,433+658.0% | $137,256+703.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 15.68% | 74.59%-58.9pp | 66.58%-50.9pp | 220.34%-204.7pp |
| Employer contribution / active EE | $6,892 | $4,804+43.5% | $4,554+51.3% | $4,156+65.8% |
| Participant deferral / active EE | $18,567 | $8,216+126.0% | $7,897+135.1% | $6,407+189.8% |
| Admin fee / account holder | $6,789 | $14,344-52.7% | $13,129-48.3% | $12,270-44.7% |