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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 | $458,495 | $275,752+66.3% | $256,809+78.5% | $198,609+130.9% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 16.31% | 34.81%-18.5pp | 32.73%-16.4pp | 202.70%-186.4pp |
| Employer contribution / active EE | $21,866 | $7,721+183.2% | $7,263+201.1% | $5,055+332.5% |
| Participant deferral / active EE | $19,217 | $10,037+91.5% | $9,520+101.9% | $6,977+175.4% |
| Admin fee / account holder | $7,872 | $25,716-69.4% | $25,146-68.7% | $19,030-58.6% |