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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 | $266,996 | $172,111+55.1% | $150,298+77.6% | $137,256+94.5% |
| Participation rate | 90.9% | 81.7%+9.2pp | 77.8%+13.1pp | 80.0%+10.9pp |
| Annual return | 15.87% | 69.37%-53.5pp | 62.79%-46.9pp | 220.34%-204.5pp |
| Employer contribution / active EE | $3,686 | $4,636-20.5% | $4,154-11.3% | $4,156-11.3% |
| Participant deferral / active EE | $11,304 | $6,166+83.3% | $5,453+107.3% | $6,407+76.4% |
| Admin fee / account holder | $6,795 | $16,471-58.7% | $14,116-51.9% | $12,270-44.6% |