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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 | $257,123 | $112,729+128.1% | $98,716+160.5% | $137,256+87.3% |
| Participation rate | 71.4% | 74.2%-2.8pp | 69.3%+2.1pp | 80.0%-8.5pp |
| Annual return | 14.06% | 38.48%-24.4pp | 31.81%-17.7pp | 220.34%-206.3pp |
| Employer contribution / active EE | $7,294 | $2,725+167.6% | $2,279+220.1% | $4,156+75.5% |
| Participant deferral / active EE | $4,838 | $4,640+4.3% | $4,048+19.5% | $6,407-24.5% |
| Admin fee / account holder | $1,586 | $10,129-84.3% | $8,703-81.8% | $12,270-87.1% |