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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 | $276,748 | $161,352+71.5% | $134,172+106.3% | $137,256+101.6% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 10.31% | 28.72%-18.4pp | 25.30%-15.0pp | 220.34%-210.0pp |
| Employer contribution / active EE | $6,191 | $4,099+51.0% | $3,420+81.0% | $4,156+49.0% |
| Participant deferral / active EE | $4,964 | $5,552-10.6% | $4,690+5.8% | $6,407-22.5% |
| Admin fee / account holder | $821 | $15,028-94.5% | $12,016-93.2% | $12,270-93.3% |