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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 | $485,168 | $165,361+193.4% | $149,715+224.1% | $158,950+205.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.94% | 348.24%-331.3pp | 276.66%-259.7pp | 302.91%-286.0pp |
| Employer contribution / active EE | $12,585 | $5,103+146.6% | $4,645+170.9% | $4,762+164.3% |
| Participant deferral / active EE | $13,583 | $7,182+89.1% | $6,842+98.5% | $5,983+127.0% |
| Admin fee / account holder | $3,490 | $10,808-67.7% | $9,310-62.5% | $11,248-69.0% |