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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 | $306,757 | $162,812+88.4% | $133,971+129.0% | $158,966+93.0% |
| Participation rate | 92.3% | 83.2%+9.1pp | 79.8%+12.5pp | 82.0%+10.3pp |
| Annual return | 12.39% | 41.94%-29.6pp | 45.09%-32.7pp | 302.95%-290.6pp |
| Employer contribution / active EE | $2,942 | $4,976-40.9% | $3,919-24.9% | $4,762-38.2% |
| Participant deferral / active EE | $11,491 | $5,910+94.4% | $5,047+127.7% | $5,983+92.1% |
| Admin fee / account holder | $1,910 | $11,741-83.7% | $8,929-78.6% | $11,250-83.0% |