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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 | $317,024 | $135,956+133.2% | $123,894+155.9% | $273,972+15.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 31.41% | 56.63%-25.2pp | 47.52%-16.1pp | 41.46%-10.0pp |
| Employer contribution / active EE | $6,232 | $5,170+20.6% | $4,617+35.0% | $4,869+28.0% |
| Participant deferral / active EE | $14,310 | $6,343+125.6% | $5,984+139.1% | $5,287+170.7% |
| Admin fee / account holder | $1,246 | $9,817-87.3% | $8,357-85.1% | $10,133-87.7% |