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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 | $444,975 | $208,088+113.8% | $186,193+139.0% | $154,746+187.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 15.35% | 89.97%-74.6pp | 78.03%-62.7pp | 172.34%-157.0pp |
| Employer contribution / active EE | $2,810 | $4,340-35.3% | $3,918-28.3% | $4,379-35.8% |
| Participant deferral / active EE | $19,288 | $7,078+172.5% | $6,513+196.1% | $6,730+186.6% |
| Admin fee / account holder | $1,008 | $11,698-91.4% | $11,058-90.9% | $14,365-93.0% |