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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 | $264,768 | $102,609+158.0% | $98,090+169.9% | $138,895+90.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 18.21% | 36.44%-18.2pp | 37.05%-18.8pp | 145.39%-127.2pp |
| Employer contribution / active EE | $6,241 | $3,867+61.4% | $3,606+73.1% | $4,194+48.8% |
| Participant deferral / active EE | $6,207 | $8,167-24.0% | $7,845-20.9% | $6,396-3.0% |
| Admin fee / account holder | $510 | $11,434-95.5% | $11,815-95.7% | $12,562-95.9% |