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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 | $426,392 | $174,379+144.5% | $152,093+180.3% | $138,895+207.0% |
| Participation rate | 92.3% | 81.6%+10.7pp | 77.8%+14.5pp | 79.9%+12.4pp |
| Annual return | 17.19% | 74.86%-57.7pp | 66.36%-49.2pp | 145.39%-128.2pp |
| Employer contribution / active EE | $2,176 | $4,652-53.2% | $4,175-47.9% | $4,194-48.1% |
| Participant deferral / active EE | $6,664 | $6,159+8.2% | $5,451+22.2% | $6,396+4.2% |
| Admin fee / account holder | $1,485 | $16,880-91.2% | $14,497-89.8% | $12,562-88.2% |