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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 | $406,000 | $102,245+297.1% | $89,340+354.4% | $137,256+195.8% |
| Participation rate | 100.0% | 74.9%+25.1pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 15.09% | 21.89%-6.8pp | 20.57%-5.5pp | 220.34%-205.2pp |
| Employer contribution / active EE | $2,674 | $2,529+5.7% | $2,231+19.8% | $4,156-35.7% |
| Participant deferral / active EE | $6,101 | $4,436+37.5% | $3,823+59.6% | $6,407-4.8% |
| Admin fee / account holder | $6,262 | $8,085-22.5% | $6,704-6.6% | $12,270-49.0% |