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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 | $223,823+415.9% | $211,142+446.8% | $154,746+646.1% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 15.57% | 50.39%-34.8pp | 46.84%-31.3pp | 172.34%-156.8pp |
| Employer contribution / active EE | $7,204 | $6,787+6.2% | $6,442+11.8% | $4,379+64.5% |
| Participant deferral / active EE | $12,510 | $9,750+28.3% | $9,284+34.8% | $6,730+85.9% |
| Admin fee / account holder | $31,064 | $19,707+57.6% | $19,076+62.8% | $14,365+116.2% |