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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 | $395,939 | $176,831+123.9% | $146,674+169.9% | $167,497+136.4% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 15.13% | 24.04%-8.9pp | 22.75%-7.6pp | 478.62%-463.5pp |
| Employer contribution / active EE | $12,233 | $5,161+137.0% | $4,137+195.7% | $4,838+152.9% |
| Participant deferral / active EE | $11,721 | $6,440+82.0% | $5,506+112.9% | $6,341+84.8% |
| Admin fee / account holder | $473 | $13,261-96.4% | $10,280-95.4% | $12,310-96.2% |