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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 | $252,279 | $105,623+138.8% | $87,502+188.3% | $273,972-7.9% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 4.74% | 12.26%-7.5pp | 12.21%-7.5pp | 41.46%-36.7pp |
| Employer contribution / active EE | $2,077 | $3,141-33.9% | $2,550-18.5% | $4,869-57.3% |
| Participant deferral / active EE | $14,277 | $3,601+296.5% | $3,149+353.4% | $5,287+170.0% |
| Admin fee / account holder | $1,354 | $4,781-71.7% | $4,221-67.9% | $10,133-86.6% |