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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 | $322,075 | $176,786+82.2% | $146,643+119.6% | $167,536+92.2% |
| Participation rate | 92.3% | 83.6%+8.7pp | 80.1%+12.2pp | 82.1%+10.2pp |
| Annual return | 13.03% | 24.04%-11.0pp | 22.75%-9.7pp | 478.82%-465.8pp |
| Employer contribution / active EE | $18,129 | $5,161+251.3% | $4,137+338.2% | $4,839+274.6% |
| Participant deferral / active EE | $11,352 | $6,440+76.3% | $5,506+106.2% | $6,342+79.0% |
| Admin fee / account holder | $12,501 | $13,262-5.7% | $10,280+21.6% | $12,315+1.5% |