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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 | $302,071 | $124,425+142.8% | $112,040+169.6% | $137,256+120.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 19.50% | 24.72%-5.2pp | 24.52%-5.0pp | 220.34%-200.8pp |
| Employer contribution / active EE | $25,205 | $3,411+638.8% | $2,954+753.2% | $4,156+506.5% |
| Participant deferral / active EE | $18,153 | $5,718+217.5% | $5,098+256.1% | $6,407+183.3% |
| Admin fee / account holder | $18,869 | $15,207+24.1% | $12,098+56.0% | $12,270+53.8% |