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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 | $174,379+51.8% | $152,093+74.0% | $138,895+90.6% |
| Participation rate | 75.0% | 81.6%-6.6pp | 77.8%-2.8pp | 79.9%-4.9pp |
| Annual return | 15.05% | 74.86%-59.8pp | 66.36%-51.3pp | 145.39%-130.3pp |
| Employer contribution / active EE | $10,867 | $4,652+133.6% | $4,175+160.3% | $4,194+159.1% |
| Participant deferral / active EE | $6,595 | $6,159+7.1% | $5,451+21.0% | $6,396+3.1% |
| Admin fee / account holder | $12,814 | $16,880-24.1% | $14,497-11.6% | $12,562+2.0% |