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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 | $426,700 | $172,111+147.9% | $150,298+183.9% | $137,256+210.9% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 17.67% | 69.37%-51.7pp | 62.79%-45.1pp | 220.34%-202.7pp |
| Employer contribution / active EE | $3,629 | $4,636-21.7% | $4,154-12.6% | $4,156-12.7% |
| Participant deferral / active EE | $9,570 | $6,166+55.2% | $5,453+75.5% | $6,407+49.4% |
| Admin fee / account holder | $4,366 | $16,471-73.5% | $14,116-69.1% | $12,270-64.4% |