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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 | $329,306 | $174,379+88.8% | $152,093+116.5% | $138,895+137.1% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 19.79% | 74.86%-55.1pp | 66.36%-46.6pp | 145.39%-125.6pp |
| Employer contribution / active EE | $4,488 | $4,652-3.5% | $4,175+7.5% | $4,194+7.0% |
| Participant deferral / active EE | $19,380 | $6,159+214.7% | $5,451+255.5% | $6,396+203.0% |
| Admin fee / account holder | $1,162 | $16,880-93.1% | $14,497-92.0% | $12,562-90.7% |