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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 | $332,520 | $127,790+160.2% | $106,555+212.1% | $167,536+98.5% |
| Participation rate | 88.9% | 78.3%+10.6pp | 76.1%+12.8pp | 82.1%+6.8pp |
| Annual return | 17.57% | 33.88%-16.3pp | 26.80%-9.2pp | 478.82%-461.2pp |
| Employer contribution / active EE | $10,506 | $3,428+206.5% | $2,819+272.6% | $4,839+117.1% |
| Participant deferral / active EE | $9,437 | $5,088+85.5% | $4,399+114.6% | $6,342+48.8% |
| Admin fee / account holder | $10,536 | $11,229-6.2% | $7,408+42.2% | $12,315-14.4% |