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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 | $268,724 | $174,379+54.1% | $152,093+76.7% | $138,895+93.5% |
| Participation rate | 83.3% | 81.6%+1.7pp | 77.8%+5.6pp | 79.9%+3.4pp |
| Annual return | 19.66% | 74.86%-55.2pp | 66.36%-46.7pp | 145.39%-125.7pp |
| Employer contribution / active EE | $7,204 | $4,652+54.9% | $4,175+72.6% | $4,194+71.8% |
| Participant deferral / active EE | $4,338 | $6,159-29.6% | $5,451-20.4% | $6,396-32.2% |
| Admin fee / account holder | $1,413 | $16,880-91.6% | $14,497-90.3% | $12,562-88.7% |