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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 | $636,985 | $127,298+400.4% | $109,916+479.5% | $167,553+280.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 19.35% | 22.97%-3.6pp | 29.46%-10.1pp | 478.89%-459.5pp |
| Employer contribution / active EE | $23,672 | $3,325+612.0% | $2,844+732.3% | $4,840+389.1% |
| Participant deferral / active EE | $21,525 | $4,513+377.0% | $4,047+431.9% | $6,343+239.4% |
| Admin fee / account holder | $1,247 | $7,119-82.5% | $6,069-79.4% | $12,316-89.9% |