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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 | $874,122 | $67,823+1188.8% | $52,425+1567.4% | $137,256+536.9% |
| Participation rate | 100.0% | 63.9%+36.1pp | 55.6%+44.4pp | 80.0%+20.0pp |
| Annual return | 18.92% | 219.11%-200.2pp | 302.12%-283.2pp | 220.34%-201.4pp |
| Employer contribution / active EE | $38,515 | $1,163+3211.8% | $914+4112.9% | $4,156+826.7% |
| Participant deferral / active EE | $28,457 | $2,288+1143.8% | $1,790+1489.4% | $6,407+344.2% |
| Admin fee / account holder | $8,629 | $2,844+203.4% | $2,495+245.8% | $12,270-29.7% |