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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 | $324,961 | $129,737+150.5% | $119,126+172.8% | $154,746+110.0% |
| Participation rate | 90.0% | 78.9%+11.1pp | 75.8%+14.2pp | 80.7%+9.3pp |
| Annual return | 18.43% | 379.08%-360.6pp | 282.11%-263.7pp | 172.34%-153.9pp |
| Employer contribution / active EE | $1,680 | $4,375-61.6% | $4,034-58.3% | $4,379-61.6% |
| Participant deferral / active EE | $5,209 | $5,842-10.8% | $5,318-2.0% | $6,730-22.6% |
| Admin fee / account holder | $7,026 | $11,961-41.3% | $10,693-34.3% | $14,365-51.1% |