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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 | $489,649 | $112,729+334.4% | $98,716+396.0% | $137,256+256.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 15.41% | 38.48%-23.1pp | 31.81%-16.4pp | 220.34%-204.9pp |
| Employer contribution / active EE | $2,173 | $2,725-20.2% | $2,279-4.6% | $4,156-47.7% |
| Participant deferral / active EE | $7,856 | $4,640+69.3% | $4,048+94.1% | $6,407+22.6% |
| Admin fee / account holder | $12,230 | $10,129+20.8% | $8,703+40.5% | $12,270-0.3% |