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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 | $306,133 | $174,379+75.6% | $152,093+101.3% | $138,895+120.4% |
| Participation rate | 75.0% | 81.6%-6.6pp | 77.8%-2.8pp | 79.9%-4.9pp |
| Annual return | 16.36% | 74.86%-58.5pp | 66.36%-50.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $3,628 | $4,652-22.0% | $4,175-13.1% | $4,194-13.5% |
| Participant deferral / active EE | $10,167 | $6,159+65.1% | $5,451+86.5% | $6,396+59.0% |
| Admin fee / account holder | $21,850 | $16,880+29.4% | $14,497+50.7% | $12,562+73.9% |