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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 | $251,347 | $166,020+51.4% | $164,866+52.5% | $145,959+72.2% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.6%+8.9pp | 80.3%+7.2pp |
| Annual return | 32.86% | 100.08%-67.2pp | 69.97%-37.1pp | 561.95%-529.1pp |
| Employer contribution / active EE | $4,470 | $5,275-15.3% | $4,343+2.9% | $4,661-4.1% |
| Participant deferral / active EE | $10,470 | $6,961+50.4% | $6,033+73.6% | $6,689+56.5% |
| Admin fee / account holder | $528 | $16,644-96.8% | $12,689-95.8% | $13,398-96.1% |