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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 | $393,751 | $201,372+95.5% | $184,260+113.7% | $145,884+169.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.13% | 29.04%-13.9pp | 28.84%-13.7pp | 551.85%-536.7pp |
| Employer contribution / active EE | $11,295 | $7,024+60.8% | $6,427+75.7% | $4,662+142.3% |
| Participant deferral / active EE | $25,051 | $9,808+155.4% | $9,133+174.3% | $6,690+274.5% |
| Admin fee / account holder | $2,663 | $16,362-83.7% | $13,898-80.8% | $13,392-80.1% |