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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 | $1,932,588 | $156,616+1134.0% | $133,346+1349.3% | $198,609+873.1% |
| Participation rate | 100.0% | 77.7%+22.3pp | 72.8%+27.2pp | 82.4%+17.6pp |
| Annual return | 11.51% | 44.25%-32.7pp | 36.85%-25.3pp | 202.70%-191.2pp |
| Employer contribution / active EE | $12,000 | $3,368+256.3% | $2,853+320.5% | $5,055+137.4% |
| Participant deferral / active EE | $31,000 | $4,920+530.1% | $4,332+615.6% | $6,977+344.3% |
| Admin fee / account holder | $8,556 | $17,468-51.0% | $14,264-40.0% | $19,030-55.0% |