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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 | $255,965 | $161,352+58.6% | $134,172+90.8% | $137,256+86.5% |
| Participation rate | 88.9% | 78.3%+10.6pp | 72.5%+16.4pp | 80.0%+8.9pp |
| Annual return | 15.11% | 28.72%-13.6pp | 25.30%-10.2pp | 220.34%-205.2pp |
| Employer contribution / active EE | $4,401 | $4,099+7.4% | $3,420+28.7% | $4,156+5.9% |
| Participant deferral / active EE | $7,238 | $5,552+30.4% | $4,690+54.3% | $6,407+13.0% |
| Admin fee / account holder | $1,784 | $15,028-88.1% | $12,016-85.2% | $12,270-85.5% |