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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 | $273,180 | $183,592+48.8% | $155,574+75.6% | $145,877+87.3% |
| Participation rate | 91.7% | 82.7%+9.0pp | 78.2%+13.5pp | 80.3%+11.4pp |
| Annual return | 10.57% | 61.37%-50.8pp | 64.87%-54.3pp | 551.28%-540.7pp |
| Employer contribution / active EE | $5,814 | $5,317+9.3% | $4,676+24.3% | $4,663+24.7% |
| Participant deferral / active EE | $3,631 | $6,466-43.9% | $5,629-35.5% | $6,691-45.7% |
| Admin fee / account holder | $393 | $19,316-98.0% | $15,914-97.5% | $13,402-97.1% |