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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 | $1,207,104 | $185,312+551.4% | $161,489+647.5% | $154,746+680.1% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 18.42% | 103.84%-85.4pp | 89.72%-71.3pp | 172.34%-153.9pp |
| Employer contribution / active EE | $8,851 | $4,769+85.6% | $4,268+107.4% | $4,379+102.1% |
| Participant deferral / active EE | $8,892 | $6,350+40.0% | $5,630+57.9% | $6,730+32.1% |
| Admin fee / account holder | $19,450 | $18,654+4.3% | $16,006+21.5% | $14,365+35.4% |