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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 | $361,707 | $211,239+71.2% | $178,528+102.6% | $145,877+148.0% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 18.51% | 30.22%-11.7pp | 27.11%-8.6pp | 551.28%-532.8pp |
| Employer contribution / active EE | $2,645 | $4,570-42.1% | $3,950-33.1% | $4,663-43.3% |
| Participant deferral / active EE | $10,641 | $6,963+52.8% | $6,278+69.5% | $6,691+59.0% |
| Admin fee / account holder | $8,293 | $12,095-31.4% | $10,419-20.4% | $13,402-38.1% |