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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 | $482,208 | $129,737+271.7% | $119,126+304.8% | $154,746+211.6% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 20.49% | 379.08%-358.6pp | 282.11%-261.6pp | 172.34%-151.8pp |
| Employer contribution / active EE | $3,016 | $4,375-31.1% | $4,034-25.2% | $4,379-31.1% |
| Participant deferral / active EE | $23,219 | $5,842+297.5% | $5,318+336.6% | $6,730+245.0% |
| Admin fee / account holder | $351 | $11,961-97.1% | $10,693-96.7% | $14,365-97.6% |