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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 | $435,928 | $162,812+167.7% | $133,971+225.4% | $158,966+174.2% |
| Participation rate | 80.0% | 83.2%-3.2pp | 79.8%+0.2pp | 82.0%-2.0pp |
| Annual return | 11.50% | 41.94%-30.4pp | 45.09%-33.6pp | 302.95%-291.5pp |
| Employer contribution / active EE | $0 | $4,976-100.0% | $3,919-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $7,610 | $5,910+28.8% | $5,047+50.8% | $5,983+27.2% |
| Admin fee / account holder | $8,754 | $11,741-25.4% | $8,929-2.0% | $11,250-22.2% |