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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 | $310,051 | $177,595+74.6% | $148,496+108.8% | $198,609+56.1% |
| Participation rate | 92.3% | 79.3%+13.1pp | 76.0%+16.3pp | 82.4%+9.9pp |
| Annual return | 21.64% | 9.97%+11.7pp | 12.33%+9.3pp | 202.70%-181.1pp |
| Employer contribution / active EE | $2,115 | $4,098-48.4% | $3,497-39.5% | $5,055-58.2% |
| Participant deferral / active EE | $6,874 | $5,539+24.1% | $4,808+42.9% | $6,977-1.5% |
| Admin fee / account holder | $5,812 | $27,010-78.5% | $19,547-70.3% | $19,030-69.5% |