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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 | $632,034 | $106,267+494.8% | $96,520+554.8% | $139,456+353.2% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 15.05% | 38.45%-23.4pp | 35.72%-20.7pp | 373.45%-358.4pp |
| Employer contribution / active EE | $18,143 | $4,105+342.0% | $3,739+385.3% | $4,753+281.7% |
| Participant deferral / active EE | $10,726 | $5,454+96.6% | $4,879+119.9% | $6,711+59.8% |
| Admin fee / account holder | $7,802 | $7,882-1.0% | $6,733+15.9% | $11,407-31.6% |