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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 | $275,048 | $197,625+39.2% | $177,840+54.7% | $158,966+73.0% |
| Participation rate | 75.0% | 88.5%-13.5pp | 87.7%-12.7pp | 82.0%-7.0pp |
| Annual return | 14.25% | 58.76%-44.5pp | 48.32%-34.1pp | 302.95%-288.7pp |
| Employer contribution / active EE | $12,952 | $6,698+93.4% | $5,919+118.8% | $4,762+172.0% |
| Participant deferral / active EE | $14,008 | $8,405+66.7% | $7,714+81.6% | $5,983+134.1% |
| Admin fee / account holder | $2,947 | $15,405-80.9% | $12,431-76.3% | $11,250-73.8% |