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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 | $548,917 | $183,592+199.0% | $155,574+252.8% | $145,877+276.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 22.84% | 61.37%-38.5pp | 64.87%-42.0pp | 551.28%-528.4pp |
| Employer contribution / active EE | $10,000 | $5,317+88.1% | $4,676+113.9% | $4,663+114.5% |
| Participant deferral / active EE | $11,343 | $6,466+75.4% | $5,629+101.5% | $6,691+69.5% |
| Admin fee / account holder | $5,880 | $19,316-69.6% | $15,914-63.1% | $13,402-56.1% |