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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 | $319,691 | $112,729+183.6% | $98,716+223.8% | $137,256+132.9% |
| Participation rate | 85.7% | 74.2%+11.5pp | 69.3%+16.4pp | 80.0%+5.8pp |
| Annual return | 16.10% | 38.48%-22.4pp | 31.81%-15.7pp | 220.34%-204.2pp |
| Employer contribution / active EE | $10,100 | $2,725+270.6% | $2,279+343.3% | $4,156+143.0% |
| Participant deferral / active EE | $7,877 | $4,640+69.8% | $4,048+94.6% | $6,407+22.9% |
| Admin fee / account holder | $1,351 | $10,129-86.7% | $8,703-84.5% | $12,270-89.0% |