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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 | $277,214 | $127,387+117.6% | $115,038+141.0% | $125,389+121.1% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 6.20% | 31.28%-25.1pp | 26.14%-19.9pp | 282.24%-276.0pp |
| Employer contribution / active EE | $5,233 | $5,166+1.3% | $4,608+13.6% | $4,866+7.5% |
| Participant deferral / active EE | $13,659 | $6,423+112.7% | $6,026+126.6% | $5,352+155.2% |
| Admin fee / account holder | $4,519 | $9,516-52.5% | $8,175-44.7% | $9,541-52.6% |