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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 | $288,814 | $201,259+43.5% | $184,200+56.8% | $145,959+97.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 39.19% | 28.98%+10.2pp | 28.80%+10.4pp | 561.95%-522.8pp |
| Employer contribution / active EE | $12,116 | $7,018+72.6% | $6,424+88.6% | $4,661+160.0% |
| Participant deferral / active EE | $15,704 | $9,806+60.1% | $9,132+72.0% | $6,689+134.8% |
| Admin fee / account holder | $457 | $16,372-97.2% | $13,907-96.7% | $13,398-96.6% |