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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 | $273,550 | $201,259+35.9% | $184,200+48.5% | $145,959+87.4% |
| Participation rate | 88.2% | 87.5%+0.7pp | 86.8%+1.4pp | 80.3%+8.0pp |
| Annual return | 14.26% | 28.98%-14.7pp | 28.80%-14.5pp | 561.95%-547.7pp |
| Employer contribution / active EE | $8,226 | $7,018+17.2% | $6,424+28.1% | $4,661+76.5% |
| Participant deferral / active EE | $13,854 | $9,806+41.3% | $9,132+51.7% | $6,689+107.1% |
| Admin fee / account holder | $5,667 | $16,372-65.4% | $13,907-59.3% | $13,398-57.7% |