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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 | $256,317 | $211,224+21.3% | $178,505+43.6% | $145,897+75.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 17.47% | 30.28%-12.8pp | 27.16%-9.7pp | 552.29%-534.8pp |
| Employer contribution / active EE | $1,591 | $4,577-65.2% | $3,955-59.8% | $4,663-65.9% |
| Participant deferral / active EE | $2,865 | $6,966-58.9% | $6,280-54.4% | $6,689-57.2% |
| Admin fee / account holder | $12,861 | $12,109+6.2% | $10,428+23.3% | $13,390-4.0% |