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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 | $309,325 | $211,288+46.4% | $178,540+73.3% | $145,884+112.0% |
| Participation rate | 83.3% | 80.8%+2.5pp | 77.1%+6.2pp | 80.3%+3.0pp |
| Annual return | 11.78% | 30.27%-18.5pp | 27.15%-15.4pp | 551.85%-540.1pp |
| Employer contribution / active EE | $5,867 | $4,574+28.3% | $3,953+48.4% | $4,662+25.8% |
| Participant deferral / active EE | $16,083 | $6,967+130.9% | $6,281+156.1% | $6,690+140.4% |
| Admin fee / account holder | $11,507 | $12,105-4.9% | $10,424+10.4% | $13,392-14.1% |