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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 | $271,104 | $166,131+63.2% | $164,975+64.3% | $145,877+85.8% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.6%+4.7pp | 80.3%+3.0pp |
| Annual return | 13.76% | 100.37%-86.6pp | 70.12%-56.4pp | 551.28%-537.5pp |
| Employer contribution / active EE | $6,511 | $5,276+23.4% | $4,343+49.9% | $4,663+39.6% |
| Participant deferral / active EE | $6,250 | $6,962-10.2% | $6,033+3.6% | $6,691-6.6% |
| Admin fee / account holder | $371 | $16,648-97.8% | $12,688-97.1% | $13,402-97.2% |