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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 | $433,394 | $209,425+106.9% | $178,499+142.8% | $158,966+172.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 20.60% | 188.80%-168.2pp | 151.10%-130.5pp | 302.95%-282.4pp |
| Employer contribution / active EE | $9,910 | $5,707+73.6% | $5,011+97.8% | $4,762+108.1% |
| Participant deferral / active EE | $9,736 | $5,955+63.5% | $5,202+87.2% | $5,983+62.7% |
| Admin fee / account holder | $2,070 | $17,078-87.9% | $13,986-85.2% | $11,250-81.6% |