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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 | $924,274 | $154,228+499.3% | $145,433+535.5% | $137,256+573.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 16.89% | 74.59%-57.7pp | 66.58%-49.7pp | 220.34%-203.5pp |
| Employer contribution / active EE | $34,981 | $4,804+628.2% | $4,554+668.0% | $4,156+741.7% |
| Participant deferral / active EE | $9,273 | $8,216+12.9% | $7,897+17.4% | $6,407+44.7% |
| Admin fee / account holder | $11,690 | $14,344-18.5% | $13,129-11.0% | $12,270-4.7% |