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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 | $373,389 | $102,938+262.7% | $94,105+296.8% | $138,895+168.8% |
| Participation rate | 87.5% | 74.6%+12.9pp | 71.9%+15.6pp | 79.9%+7.6pp |
| Annual return | 10.36% | 250.28%-239.9pp | 204.55%-194.2pp | 145.39%-135.0pp |
| Employer contribution / active EE | $3,230 | $2,732+18.2% | $2,504+29.0% | $4,194-23.0% |
| Participant deferral / active EE | $1,796 | $4,196-57.2% | $3,881-53.7% | $6,396-71.9% |
| Admin fee / account holder | $2,243 | $6,600-66.0% | $6,199-63.8% | $12,562-82.1% |