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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 | $364,197 | $111,785+225.8% | $93,669+288.8% | $145,877+149.7% |
| Participation rate | 91.7% | 74.2%+17.4pp | 68.7%+22.9pp | 80.3%+11.4pp |
| Annual return | 14.89% | 203.79%-188.9pp | 133.59%-118.7pp | 551.28%-536.4pp |
| Employer contribution / active EE | $3,271 | $3,096+5.6% | $2,424+34.9% | $4,663-29.9% |
| Participant deferral / active EE | $7,064 | $4,919+43.6% | $4,416+60.0% | $6,691+5.6% |
| Admin fee / account holder | $893 | $10,256-91.3% | $8,291-89.2% | $13,402-93.3% |