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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 | $483,545 | $148,582+225.4% | $135,942+255.7% | $139,456+246.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 20.19% | 79.26%-59.1pp | 68.28%-48.1pp | 373.45%-353.3pp |
| Employer contribution / active EE | $5,012 | $5,245-4.4% | $4,858+3.2% | $4,753+5.4% |
| Participant deferral / active EE | $20,000 | $8,101+146.9% | $7,759+157.8% | $6,711+198.0% |
| Admin fee / account holder | $4,205 | $12,402-66.1% | $10,764-60.9% | $11,407-63.1% |