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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 | $306,152 | $183,627+66.7% | $155,602+96.8% | $145,978+109.7% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 14.05% | 61.32%-47.3pp | 64.81%-50.8pp | 550.52%-536.5pp |
| Employer contribution / active EE | $9,059 | $5,316+70.4% | $4,675+93.8% | $4,662+94.3% |
| Participant deferral / active EE | $6,789 | $6,466+5.0% | $5,629+20.6% | $6,690+1.5% |
| Admin fee / account holder | $2,056 | $19,327-89.4% | $15,923-87.1% | $13,400-84.7% |