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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 | $344,169 | $213,785+61.0% | $185,441+85.6% | $155,188+121.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 19.38% | 19.97%-0.6pp | 20.16%-0.8pp | 148.84%-129.5pp |
| Employer contribution / active EE | $8,385 | $5,393+55.5% | $4,672+79.5% | $4,248+97.4% |
| Participant deferral / active EE | $4,459 | $6,864-35.0% | $6,152-27.5% | $6,531-31.7% |
| Admin fee / account holder | $1,471 | $21,134-93.0% | $17,890-91.8% | $14,480-89.8% |