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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 | $258,870 | $157,296+64.6% | $141,191+83.3% | $152,897+69.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.16% | 64.34%-47.2pp | 71.41%-54.3pp | 345.43%-328.3pp |
| Employer contribution / active EE | $17,344 | $5,262+229.6% | $4,736+266.2% | $4,764+264.1% |
| Participant deferral / active EE | $11,294 | $7,111+58.8% | $6,710+68.3% | $5,851+93.0% |
| Admin fee / account holder | $1,480 | $12,125-87.8% | $10,264-85.6% | $11,599-87.2% |