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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 | $487,550 | $217,432+124.2% | $185,849+162.3% | $167,536+191.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 23.68% | 148.42%-124.7pp | 122.10%-98.4pp | 478.82%-455.1pp |
| Employer contribution / active EE | $7,246 | $5,875+23.3% | $5,169+40.2% | $4,839+49.7% |
| Participant deferral / active EE | $4,988 | $6,357-21.5% | $5,569-10.4% | $6,342-21.3% |
| Admin fee / account holder | $3,425 | $19,818-82.7% | $16,244-78.9% | $12,315-72.2% |