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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 | $265,459 | $156,398+69.7% | $147,318+80.2% | $138,895+91.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 14.55% | 78.75%-64.2pp | 70.43%-55.9pp | 145.39%-130.8pp |
| Employer contribution / active EE | $9,520 | $4,853+96.2% | $4,593+107.3% | $4,194+127.0% |
| Participant deferral / active EE | $16,069 | $8,237+95.1% | $7,906+103.2% | $6,396+151.2% |
| Admin fee / account holder | $12,312 | $14,976-17.8% | $13,708-10.2% | $12,562-2.0% |