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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 | $284,558 | $124,351+128.8% | $109,188+160.6% | $167,553+69.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 10.96% | 26.04%-15.1pp | 25.76%-14.8pp | 478.89%-467.9pp |
| Employer contribution / active EE | $4,669 | $4,210+10.9% | $3,723+25.4% | $4,840-3.5% |
| Participant deferral / active EE | $8,925 | $5,257+69.8% | $4,654+91.8% | $6,343+40.7% |
| Admin fee / account holder | $11,886 | $7,975+49.0% | $6,755+75.9% | $12,316-3.5% |