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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 | $278,814 | $172,111+62.0% | $150,298+85.5% | $137,256+103.1% |
| Participation rate | 91.7% | 81.7%+10.0pp | 77.8%+13.9pp | 80.0%+11.7pp |
| Annual return | 17.15% | 69.37%-52.2pp | 62.79%-45.6pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,732 | $4,636-19.5% | $4,154-10.2% | $4,156-10.2% |
| Participant deferral / active EE | $6,187 | $6,166+0.3% | $5,453+13.5% | $6,407-3.4% |
| Admin fee / account holder | $1,244 | $16,471-92.4% | $14,116-91.2% | $12,270-89.9% |