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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 | $325,161 | $147,556+120.4% | $129,031+152.0% | $198,609+63.7% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 8.25% | 37.41%-29.2pp | 34.67%-26.4pp | 202.70%-194.4pp |
| Employer contribution / active EE | $20,412 | $3,645+460.0% | $3,226+532.7% | $5,055+303.8% |
| Participant deferral / active EE | $10,840 | $5,760+88.2% | $5,217+107.8% | $6,977+55.4% |
| Admin fee / account holder | $2,064 | $15,467-86.7% | $13,208-84.4% | $19,030-89.2% |