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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 | $258,565 | $176,786+46.3% | $146,643+76.3% | $167,536+54.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 17.47% | 24.04%-6.6pp | 22.75%-5.3pp | 478.82%-461.3pp |
| Employer contribution / active EE | $1,804 | $5,161-65.0% | $4,137-56.4% | $4,839-62.7% |
| Participant deferral / active EE | $7,899 | $6,440+22.7% | $5,506+43.5% | $6,342+24.5% |
| Admin fee / account holder | $4,505 | $13,262-66.0% | $10,280-56.2% | $12,315-63.4% |