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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 | $290,695 | $209,425+38.8% | $178,499+62.9% | $158,966+82.9% |
| Participation rate | 93.8% | 86.4%+7.4pp | 81.9%+11.8pp | 82.0%+11.8pp |
| Annual return | 19.40% | 188.80%-169.4pp | 151.10%-131.7pp | 302.95%-283.6pp |
| Employer contribution / active EE | $14,853 | $5,707+160.2% | $5,011+196.4% | $4,762+211.9% |
| Participant deferral / active EE | $16,595 | $5,955+178.7% | $5,202+219.0% | $5,983+177.4% |
| Admin fee / account holder | $2,527 | $17,078-85.2% | $13,986-81.9% | $11,250-77.5% |