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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 | $282,802 | $163,687+72.8% | $108,745+160.1% | $273,972+3.2% |
| Participation rate | 100.0% | 82.3%+17.7pp | 77.7%+22.3pp | 83.0%+17.0pp |
| Annual return | 7.21% | 31.16%-23.9pp | 46.22%-39.0pp | 41.46%-34.2pp |
| Employer contribution / active EE | $10,813 | $4,711+129.5% | $3,323+225.4% | $4,869+122.1% |
| Participant deferral / active EE | $18,000 | $7,155+151.6% | $5,121+251.5% | $5,287+240.4% |
| Admin fee / account holder | $2,388 | $12,890-81.5% | $6,144-61.1% | $10,133-76.4% |