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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 | $319,458 | $109,411+192.0% | $89,435+257.2% | $158,982+100.9% |
| Participation rate | 76.9% | 74.3%+2.6pp | 68.0%+8.9pp | 82.0%-5.0pp |
| Annual return | 16.28% | 345.68%-329.4pp | 245.55%-229.3pp | 302.99%-286.7pp |
| Employer contribution / active EE | $0 | $3,173-100.0% | $2,587-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $6,564 | $4,600+42.7% | $3,890+68.7% | $5,983+9.7% |
| Admin fee / account holder | $24,532 | $6,159+298.3% | $4,884+402.3% | $11,252+118.0% |