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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 | $269,937 | $185,905+45.2% | $170,057+58.7% | $139,487+93.5% |
| Participation rate | 75.0% | 87.8%-12.8pp | 87.0%-12.0pp | 80.3%-5.3pp |
| Annual return | 14.97% | 60.56%-45.6pp | 53.42%-38.4pp | 373.84%-358.9pp |
| Employer contribution / active EE | $1,471 | $7,597-80.6% | $6,790-78.3% | $4,755-69.1% |
| Participant deferral / active EE | $6,750 | $11,627-41.9% | $10,411-35.2% | $6,713+0.6% |
| Admin fee / account holder | $713 | $15,397-95.4% | $12,826-94.4% | $11,407-93.8% |