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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 | $284,472 | $86,288+229.7% | $111,306+155.6% | $85,851+231.4% |
| Participation rate | 82.5% | 73.3%+9.2pp | 77.3%+5.2pp | 69.3%+13.2pp |
| Annual return | 16.36% | 19.99%-3.6pp | 54.67%-38.3pp | 318.63%-302.3pp |
| Employer contribution / active EE | $10,000 | $2,044+389.3% | $2,732+266.0% | $2,565+289.8% |
| Participant deferral / active EE | $5,213 | $3,641+43.2% | $4,488+16.2% | $3,952+31.9% |
| Admin fee / account holder | $21,072 | $8,189+157.3% | $7,966+164.5% | $6,261+236.6% |