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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 | $288,295 | $106,749+170.1% | $145,433+98.2% | $82,448+249.7% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 18.26% | 27.59%-9.3pp | 66.58%-48.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $6,187 | $3,444+79.6% | $4,554+35.8% | $2,551+142.5% |
| Participant deferral / active EE | $7,254 | $6,519+11.3% | $7,897-8.1% | $4,139+75.3% |
| Admin fee / account holder | $8,940 | $8,390+6.6% | $13,129-31.9% | $7,234+23.6% |