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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 | $272,070 | $157,304+73.0% | $141,197+92.7% | $152,909+77.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 20.80% | 64.34%-43.5pp | 71.41%-50.6pp | 345.46%-324.7pp |
| Employer contribution / active EE | $3,660 | $5,263-30.4% | $4,736-22.7% | $4,764-23.2% |
| Participant deferral / active EE | $10,964 | $7,111+54.2% | $6,710+63.4% | $5,851+87.4% |
| Admin fee / account holder | $659 | $12,126-94.6% | $10,265-93.6% | $11,601-94.3% |