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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 | $310,892 | $185,312+67.8% | $161,489+92.5% | $154,746+100.9% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 23.30% | 103.84%-80.5pp | 89.72%-66.4pp | 172.34%-149.0pp |
| Employer contribution / active EE | $4,128 | $4,769-13.4% | $4,268-3.3% | $4,379-5.7% |
| Participant deferral / active EE | $12,214 | $6,350+92.4% | $5,630+117.0% | $6,730+81.5% |
| Admin fee / account holder | $37,801 | $18,654+102.6% | $16,006+136.2% | $14,365+163.1% |