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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 | $424,793 | $172,111+146.8% | $150,298+182.6% | $137,256+209.5% |
| Participation rate | 83.3% | 81.7%+1.6pp | 77.8%+5.6pp | 80.0%+3.4pp |
| Annual return | 15.96% | 69.37%-53.4pp | 62.79%-46.8pp | 220.34%-204.4pp |
| Employer contribution / active EE | $12,195 | $4,636+163.0% | $4,154+193.6% | $4,156+193.4% |
| Participant deferral / active EE | $10,533 | $6,166+70.8% | $5,453+93.2% | $6,407+64.4% |
| Admin fee / account holder | $1,800 | $16,471-89.1% | $14,116-87.2% | $12,270-85.3% |