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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 | $259,293 | $111,535+132.5% | $105,223+146.4% | $137,256+88.9% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.0%+5.0pp | 80.0%0pp |
| Annual return | 13.73% | 237.85%-224.1pp | 180.65%-166.9pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,656 | $3,939-58.0% | $3,689-55.1% | $4,156-60.2% |
| Participant deferral / active EE | $3,271 | $5,500-40.5% | $5,072-35.5% | $6,407-48.9% |
| Admin fee / account holder | $9,320 | $9,721-4.1% | $8,859+5.2% | $12,270-24.0% |