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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 | $390,805 | $178,174+119.3% | $156,181+150.2% | $137,256+184.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 19.46% | 84.19%-64.7pp | 64.87%-45.4pp | 220.34%-200.9pp |
| Employer contribution / active EE | $20,256 | $4,972+307.4% | $4,294+371.8% | $4,156+387.4% |
| Participant deferral / active EE | $14,849 | $6,888+115.6% | $6,132+142.2% | $6,407+131.8% |
| Admin fee / account holder | $3,784 | $17,404-78.3% | $14,586-74.1% | $12,270-69.2% |