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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 | $393,507 | $211,105+86.4% | $178,449+120.5% | $145,978+169.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 10.91% | 30.19%-19.3pp | 27.09%-16.2pp | 550.52%-539.6pp |
| Employer contribution / active EE | $12,250 | $4,569+168.1% | $3,951+210.1% | $4,662+162.8% |
| Participant deferral / active EE | $6,100 | $6,959-12.3% | $6,277-2.8% | $6,690-8.8% |
| Admin fee / account holder | $4,181 | $12,017-65.2% | $10,362-59.7% | $13,400-68.8% |