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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 | $402,734 | $148,582+171.1% | $135,942+196.3% | $139,456+188.8% |
| Participation rate | 88.9% | 83.9%+5.0pp | 81.9%+7.0pp | 80.3%+8.6pp |
| Annual return | 24.09% | 79.26%-55.2pp | 68.28%-44.2pp | 373.45%-349.4pp |
| Employer contribution / active EE | $4,130 | $5,245-21.3% | $4,858-15.0% | $4,753-13.1% |
| Participant deferral / active EE | $11,005 | $8,101+35.8% | $7,759+41.8% | $6,711+64.0% |
| Admin fee / account holder | $971 | $12,402-92.2% | $10,764-91.0% | $11,407-91.5% |