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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 | $388,162 | $155,555+149.5% | $146,866+164.3% | $155,188+150.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 13.23% | 115.41%-102.2pp | 102.85%-89.6pp | 148.84%-135.6pp |
| Employer contribution / active EE | $4,827 | $4,647+3.9% | $4,425+9.1% | $4,248+13.6% |
| Participant deferral / active EE | $10,123 | $8,044+25.8% | $7,759+30.5% | $6,531+55.0% |
| Admin fee / account holder | $50,750 | $14,755+243.9% | $13,620+272.6% | $14,480+250.5% |