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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 | $272,695 | $97,125+180.8% | $86,233+216.2% | $137,256+98.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 27.79% | 74.19%-46.4pp | 61.39%-33.6pp | 220.34%-192.6pp |
| Employer contribution / active EE | $4,612 | $2,841+62.3% | $2,504+84.1% | $4,156+11.0% |
| Participant deferral / active EE | $11,622 | $5,180+124.4% | $4,559+154.9% | $6,407+81.4% |
| Admin fee / account holder | $7,686 | $9,725-21.0% | $8,342-7.9% | $12,270-37.4% |