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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 | $257,541 | $196,972+30.7% | $182,262+41.3% | $198,609+29.7% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 18.07% | 158.27%-140.2pp | 140.60%-122.5pp | 202.70%-184.6pp |
| Employer contribution / active EE | $21,275 | $5,364+296.7% | $5,046+321.6% | $5,055+320.8% |
| Participant deferral / active EE | $19,926 | $8,643+130.6% | $8,276+140.8% | $6,977+185.6% |
| Admin fee / account holder | $1,281 | $18,429-93.0% | $16,712-92.3% | $19,030-93.3% |