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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 | $318,390 | $111,535+185.5% | $105,223+202.6% | $137,256+132.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 19.53% | 237.85%-218.3pp | 180.65%-161.1pp | 220.34%-200.8pp |
| Employer contribution / active EE | $12,412 | $3,939+215.1% | $3,689+236.5% | $4,156+198.7% |
| Participant deferral / active EE | $16,737 | $5,500+204.3% | $5,072+230.0% | $6,407+161.2% |
| Admin fee / account holder | $961 | $9,721-90.1% | $8,859-89.2% | $12,270-92.2% |