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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 | $269,586 | $176,794+52.5% | $146,647+83.8% | $167,553+60.9% |
| Participation rate | 94.7% | 83.6%+11.1pp | 80.1%+14.7pp | 82.1%+12.6pp |
| Annual return | 18.21% | 24.04%-5.8pp | 22.75%-4.5pp | 478.89%-460.7pp |
| Employer contribution / active EE | $3,664 | $5,161-29.0% | $4,137-11.4% | $4,840-24.3% |
| Participant deferral / active EE | $4,901 | $6,440-23.9% | $5,506-11.0% | $6,343-22.7% |
| Admin fee / account holder | $3,942 | $13,262-70.3% | $10,281-61.7% | $12,316-68.0% |