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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 | $449,315 | $110,278+307.4% | $95,740+369.3% | $139,466+222.2% |
| Participation rate | 87.5% | 75.7%+11.8pp | 72.3%+15.2pp | 80.3%+7.2pp |
| Annual return | 17.48% | 27.19%-9.7pp | 28.41%-10.9pp | 373.66%-356.2pp |
| Employer contribution / active EE | $20,004 | $3,260+513.5% | $2,836+605.3% | $4,754+320.8% |
| Participant deferral / active EE | $15,320 | $4,674+227.7% | $4,244+261.0% | $6,712+128.2% |
| Admin fee / account holder | $23,989 | $6,613+262.7% | $5,676+322.6% | $11,409+110.3% |