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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 | $348,310 | $139,948+148.9% | $121,663+186.3% | $154,746+125.1% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 12.95% | 230.52%-217.6pp | 147.54%-134.6pp | 172.34%-159.4pp |
| Employer contribution / active EE | $1,152 | $3,521-67.3% | $3,020-61.9% | $4,379-73.7% |
| Participant deferral / active EE | $15,862 | $5,629+181.8% | $4,887+224.6% | $6,730+135.7% |
| Admin fee / account holder | $16,822 | $17,321-2.9% | $14,289+17.7% | $14,365+17.1% |