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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 | $305,148 | $110,303+176.6% | $95,759+218.7% | $139,487+118.8% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 26.69% | 27.19%-0.5pp | 28.42%-1.7pp | 373.84%-347.2pp |
| Employer contribution / active EE | $2,856 | $3,261-12.4% | $2,836+0.7% | $4,755-39.9% |
| Participant deferral / active EE | $14,363 | $4,674+207.3% | $4,244+238.5% | $6,713+114.0% |
| Admin fee / account holder | $953 | $6,615-85.6% | $5,678-83.2% | $11,407-91.6% |