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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 | $263,438 | $156,398+68.4% | $147,318+78.8% | $138,895+89.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 18.56% | 78.75%-60.2pp | 70.43%-51.9pp | 145.39%-126.8pp |
| Employer contribution / active EE | $11,921 | $4,853+145.6% | $4,593+159.6% | $4,194+184.2% |
| Participant deferral / active EE | $25,137 | $8,237+205.2% | $7,906+217.9% | $6,396+293.0% |
| Admin fee / account holder | $986 | $14,976-93.4% | $13,708-92.8% | $12,562-92.2% |