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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 | $1,426,725 | $275,752+417.4% | $256,809+455.6% | $198,609+618.4% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 18.93% | 34.81%-15.9pp | 32.73%-13.8pp | 202.70%-183.8pp |
| Employer contribution / active EE | $29,500 | $7,721+282.1% | $7,263+306.2% | $5,055+483.5% |
| Participant deferral / active EE | $20,000 | $10,037+99.3% | $9,520+110.1% | $6,977+186.7% |
| Admin fee / account holder | $765 | $25,716-97.0% | $25,146-97.0% | $19,030-96.0% |