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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 | $1,154,614 | $209,336+451.6% | $197,124+485.7% | $137,256+741.2% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 15.57% | 48.09%-32.5pp | 44.34%-28.8pp | 220.34%-204.8pp |
| Employer contribution / active EE | $7,204 | $6,591+9.3% | $6,227+15.7% | $4,156+73.3% |
| Participant deferral / active EE | $12,510 | $9,614+30.1% | $9,135+37.0% | $6,407+95.3% |
| Admin fee / account holder | $31,064 | $17,308+79.5% | $16,298+90.6% | $12,270+153.2% |