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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 | $274,706 | $183,516+49.7% | $155,534+76.6% | $145,884+88.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 11.72% | 61.43%-49.7pp | 64.92%-53.2pp | 551.85%-540.1pp |
| Employer contribution / active EE | $3,810 | $5,315-28.3% | $4,675-18.5% | $4,662-18.3% |
| Participant deferral / active EE | $11,463 | $6,467+77.3% | $5,630+103.6% | $6,690+71.4% |
| Admin fee / account holder | $2,268 | $19,293-88.2% | $15,900-85.7% | $13,392-83.1% |