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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 | $288,225 | $111,814+157.8% | $103,378+178.8% | $145,978+97.4% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 21.89% | 24.80%-2.9pp | 24.91%-3.0pp | 550.52%-528.6pp |
| Employer contribution / active EE | $2,650 | $4,215-37.1% | $3,870-31.5% | $4,662-43.2% |
| Participant deferral / active EE | $4,589 | $5,618-18.3% | $5,058-9.3% | $6,690-31.4% |
| Admin fee / account holder | $15,280 | $9,764+56.5% | $8,401+81.9% | $13,400+14.0% |