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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 | $372,895 | $112,729+230.8% | $98,716+277.7% | $137,256+171.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 14.54% | 38.48%-23.9pp | 31.81%-17.3pp | 220.34%-205.8pp |
| Employer contribution / active EE | $10,900 | $2,725+300.0% | $2,279+378.4% | $4,156+162.3% |
| Participant deferral / active EE | $9,366 | $4,640+101.8% | $4,048+131.4% | $6,407+46.2% |
| Admin fee / account holder | $13,312 | $10,129+31.4% | $8,703+53.0% | $12,270+8.5% |