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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 | $1,152,422 | $185,905+519.9% | $170,057+577.7% | $139,487+726.2% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 40.51% | 60.56%-20.0pp | 53.42%-12.9pp | 373.84%-333.3pp |
| Employer contribution / active EE | $3,193 | $7,597-58.0% | $6,790-53.0% | $4,755-32.8% |
| Participant deferral / active EE | $10,000 | $11,627-14.0% | $10,411-3.9% | $6,713+49.0% |
| Admin fee / account holder | $11,543 | $15,397-25.0% | $12,826-10.0% | $11,407+1.2% |