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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 | $290,780 | $114,119+154.8% | $107,187+171.3% | $138,895+109.4% |
| Participation rate | 90.0% | 78.1%+11.9pp | 75.0%+15.0pp | 79.9%+10.1pp |
| Annual return | 13.27% | 273.21%-259.9pp | 204.55%-191.3pp | 145.39%-132.1pp |
| Employer contribution / active EE | $2,899 | $4,059-28.6% | $3,782-23.4% | $4,194-30.9% |
| Participant deferral / active EE | $13,689 | $5,538+147.2% | $5,096+168.6% | $6,396+114.0% |
| Admin fee / account holder | $1,714 | $10,024-82.9% | $9,162-81.3% | $12,562-86.4% |