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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 | $305,213 | $141,001+116.5% | $112,228+172.0% | $139,487+118.8% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 22.94% | 32.75%-9.8pp | 30.23%-7.3pp | 373.84%-350.9pp |
| Employer contribution / active EE | $19,167 | $4,285+347.3% | $3,432+458.5% | $4,755+303.1% |
| Participant deferral / active EE | $5,883 | $5,877+0.1% | $4,800+22.6% | $6,713-12.4% |
| Admin fee / account holder | $6,553 | $9,959-34.2% | $7,752-15.5% | $11,407-42.6% |