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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 | $264,694 | $172,111+53.8% | $150,298+76.1% | $137,256+92.8% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 15.05% | 69.37%-54.3pp | 62.79%-47.7pp | 220.34%-205.3pp |
| Employer contribution / active EE | $10,867 | $4,636+134.4% | $4,154+161.6% | $4,156+161.5% |
| Participant deferral / active EE | $6,595 | $6,166+7.0% | $5,453+21.0% | $6,407+2.9% |
| Admin fee / account holder | $12,814 | $16,471-22.2% | $14,116-9.2% | $12,270+4.4% |