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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 | $284,715 | $101,618+180.2% | $93,063+205.9% | $137,256+107.4% |
| Participation rate | 77.8% | 74.9%+2.8pp | 72.1%+5.7pp | 80.0%-2.2pp |
| Annual return | 13.53% | 223.95%-210.4pp | 34.15%-20.6pp | 220.34%-206.8pp |
| Employer contribution / active EE | $6,185 | $2,707+128.5% | $2,476+149.8% | $4,156+48.8% |
| Participant deferral / active EE | $7,644 | $4,279+78.6% | $3,958+93.1% | $6,407+19.3% |
| Admin fee / account holder | $10,548 | $6,198+70.2% | $6,033+74.8% | $12,270-14.0% |