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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 | $264,030 | $152,612+73.0% | $125,192+110.9% | $152,897+72.7% |
| Participation rate | 90.0% | 83.3%+6.7pp | 79.8%+10.2pp | 82.5%+7.5pp |
| Annual return | 15.70% | 54.85%-39.2pp | 43.79%-28.1pp | 345.43%-329.7pp |
| Employer contribution / active EE | $4,263 | $4,947-13.8% | $3,866+10.3% | $4,764-10.5% |
| Participant deferral / active EE | $11,552 | $5,868+96.8% | $4,937+134.0% | $5,851+97.4% |
| Admin fee / account holder | $27,387 | $13,437+103.8% | $9,704+182.2% | $11,599+136.1% |