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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 | $498,008 | $153,769+223.9% | $133,975+271.7% | $273,972+81.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 5.22% | 36.51%-31.3pp | 29.29%-24.1pp | 41.46%-36.2pp |
| Employer contribution / active EE | $15,800 | $6,029+162.1% | $5,211+203.2% | $4,869+224.5% |
| Participant deferral / active EE | $11,200 | $6,958+61.0% | $6,282+78.3% | $5,287+111.8% |
| Admin fee / account holder | $8,783 | $11,765-25.3% | $9,324-5.8% | $10,133-13.3% |