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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 | $400,756 | $211,239+89.7% | $178,528+124.5% | $145,877+174.7% |
| Participation rate | 92.3% | 80.8%+11.5pp | 77.1%+15.2pp | 80.3%+12.0pp |
| Annual return | 15.06% | 30.22%-15.2pp | 27.11%-12.0pp | 551.28%-536.2pp |
| Employer contribution / active EE | $15,322 | $4,570+235.3% | $3,950+287.8% | $4,663+228.6% |
| Participant deferral / active EE | $12,628 | $6,963+81.4% | $6,278+101.1% | $6,691+88.7% |
| Admin fee / account holder | $1,576 | $12,095-87.0% | $10,419-84.9% | $13,402-88.2% |