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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 | $365,338 | $217,432+68.0% | $185,849+96.6% | $167,536+118.1% |
| Participation rate | 77.8% | 86.1%-8.3pp | 81.7%-3.9pp | 82.1%-4.3pp |
| Annual return | 22.15% | 148.42%-126.3pp | 122.10%-99.9pp | 478.82%-456.7pp |
| Employer contribution / active EE | $2,481 | $5,875-57.8% | $5,169-52.0% | $4,839-48.7% |
| Participant deferral / active EE | $7,174 | $6,357+12.8% | $5,569+28.8% | $6,342+13.1% |
| Admin fee / account holder | $2,105 | $19,818-89.4% | $16,244-87.0% | $12,315-82.9% |