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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 | $256,190 | $118,467+116.3% | $98,450+160.2% | $139,456+83.7% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 12.72% | 18.95%-6.2pp | 21.16%-8.4pp | 373.45%-360.7pp |
| Employer contribution / active EE | $16,275 | $3,611+350.8% | $3,049+433.8% | $4,753+242.4% |
| Participant deferral / active EE | $11,437 | $5,393+112.1% | $4,739+141.3% | $6,711+70.4% |
| Admin fee / account holder | $1,609 | $14,057-88.6% | $8,961-82.0% | $11,407-85.9% |