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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 | $260,000 | $199,109+30.6% | $173,730+49.7% | $154,746+68.0% |
| Participation rate | 91.7% | 82.8%+8.9pp | 79.6%+12.1pp | 80.7%+11.0pp |
| Annual return | 17.54% | 20.02%-2.5pp | 19.96%-2.4pp | 172.34%-154.8pp |
| Employer contribution / active EE | $3,635 | $5,311-31.6% | $4,577-20.6% | $4,379-17.0% |
| Participant deferral / active EE | $10,195 | $7,113+43.3% | $6,326+61.2% | $6,730+51.5% |
| Admin fee / account holder | $39,340 | $20,916+88.1% | $17,523+124.5% | $14,365+173.9% |