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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 | $491,778 | $127,386+286.1% | $115,037+327.5% | $125,393+292.2% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 0.17% | 31.28%-31.1pp | 26.14%-26.0pp | 282.23%-282.1pp |
| Employer contribution / active EE | $13,587 | $5,166+163.0% | $4,608+194.9% | $4,866+179.2% |
| Participant deferral / active EE | $9,770 | $6,423+52.1% | $6,026+62.1% | $5,351+82.6% |
| Admin fee / account holder | $3,173 | $9,516-66.7% | $8,175-61.2% | $9,541-66.7% |