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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 | $254,072 | $97,289+161.2% | $92,805+173.8% | $155,188+63.7% |
| Participation rate | 100.0% | 84.2%+15.8pp | 83.5%+16.5pp | 80.8%+19.2pp |
| Annual return | 13.73% | 29.03%-15.3pp | 31.59%-17.9pp | 148.84%-135.1pp |
| Employer contribution / active EE | $2,421 | $3,632-33.3% | $3,424-29.3% | $4,248-43.0% |
| Participant deferral / active EE | $5,323 | $8,795-39.5% | $8,448-37.0% | $6,531-18.5% |
| Admin fee / account holder | $8,884 | $12,015-26.1% | $10,911-18.6% | $14,480-38.6% |