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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 | $301,319 | $111,878+169.3% | $93,727+221.5% | $145,897+106.5% |
| Participation rate | 75.0% | 74.2%+0.8pp | 68.7%+6.3pp | 80.3%-5.3pp |
| Annual return | 42.96% | 204.28%-161.3pp | 133.83%-90.9pp | 552.29%-509.3pp |
| Employer contribution / active EE | $1,176 | $3,092-62.0% | $2,421-51.4% | $4,663-74.8% |
| Participant deferral / active EE | $6,281 | $4,920+27.7% | $4,417+42.2% | $6,689-6.1% |
| Admin fee / account holder | $2,268 | $10,256-77.9% | $8,292-72.6% | $13,390-83.1% |