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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 | $355,572 | $210,698+68.8% | $178,014+99.7% | $145,959+143.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 9.43% | 386.27%-376.8pp | 294.80%-285.4pp | 561.95%-552.5pp |
| Employer contribution / active EE | $4,586 | $4,567+0.4% | $3,950+16.1% | $4,661-1.6% |
| Participant deferral / active EE | $15,250 | $6,958+119.2% | $6,276+143.0% | $6,689+128.0% |
| Admin fee / account holder | $10,496 | $12,016-12.7% | $10,362+1.3% | $13,398-21.7% |