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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 | $302,443 | $111,535+171.2% | $105,223+187.4% | $137,256+120.3% |
| Participation rate | 83.3% | 78.1%+5.2pp | 75.0%+8.3pp | 80.0%+3.4pp |
| Annual return | 19.60% | 237.85%-218.3pp | 180.65%-161.1pp | 220.34%-200.7pp |
| Employer contribution / active EE | $2,875 | $3,939-27.0% | $3,689-22.1% | $4,156-30.8% |
| Participant deferral / active EE | $14,404 | $5,500+161.9% | $5,072+184.0% | $6,407+124.8% |
| Admin fee / account holder | $3,018 | $9,721-69.0% | $8,859-65.9% | $12,270-75.4% |