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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 | $177,156+56.2% | $147,027+88.2% | $154,746+78.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 10.31% | 21.94%-11.6pp | 20.23%-9.9pp | 172.34%-162.0pp |
| Employer contribution / active EE | $6,191 | $4,336+42.8% | $3,626+70.7% | $4,379+41.4% |
| Participant deferral / active EE | $4,964 | $5,797-14.4% | $4,933+0.6% | $6,730-26.2% |
| Admin fee / account holder | $821 | $14,904-94.5% | $12,223-93.3% | $14,365-94.3% |