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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 | $361,392 | $178,174+102.8% | $156,181+131.4% | $137,256+163.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 16.22% | 84.19%-68.0pp | 64.87%-48.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $20,123 | $4,972+304.7% | $4,294+368.6% | $4,156+384.2% |
| Participant deferral / active EE | $9,064 | $6,888+31.6% | $6,132+47.8% | $6,407+41.5% |
| Admin fee / account holder | $3,995 | $17,404-77.0% | $14,586-72.6% | $12,270-67.4% |