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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 | $363,402 | $126,661+186.9% | $113,397+220.5% | $138,895+161.6% |
| Participation rate | 86.4% | 79.4%+6.9pp | 76.5%+9.9pp | 79.9%+6.4pp |
| Annual return | 16.16% | 25.05%-8.9pp | 23.20%-7.0pp | 145.39%-129.2pp |
| Employer contribution / active EE | $4,245 | $3,456+22.8% | $2,977+42.6% | $4,194+1.2% |
| Participant deferral / active EE | $12,335 | $5,693+116.7% | $5,076+143.0% | $6,396+92.9% |
| Admin fee / account holder | $7,968 | $14,549-45.2% | $11,957-33.4% | $12,562-36.6% |