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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 | $507,453 | $217,427+133.4% | $185,837+173.1% | $167,518+202.9% |
| Participation rate | 75.0% | 86.0%-11.0pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 17.21% | 148.39%-131.2pp | 122.08%-104.9pp | 478.71%-461.5pp |
| Employer contribution / active EE | $15,902 | $5,874+170.7% | $5,168+207.7% | $4,838+228.7% |
| Participant deferral / active EE | $10,304 | $6,357+62.1% | $5,568+85.0% | $6,342+62.5% |
| Admin fee / account holder | $2,551 | $19,816-87.1% | $16,241-84.3% | $12,312-79.3% |