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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 | $380,535 | $282,059+34.9% | $213,469+78.3% | $154,746+145.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 10.26% | 20.90%-10.6pp | 20.58%-10.3pp | 172.34%-162.1pp |
| Employer contribution / active EE | $18,312 | $6,189+195.9% | $4,994+266.7% | $4,379+318.2% |
| Participant deferral / active EE | $13,020 | $8,186+59.1% | $6,841+90.3% | $6,730+93.5% |
| Admin fee / account holder | $1,011 | $37,435-97.3% | $27,141-96.3% | $14,365-93.0% |