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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 | $285,182 | $154,228+84.9% | $145,433+96.1% | $137,256+107.8% |
| Participation rate | 93.8% | 83.8%+10.0pp | 82.1%+11.6pp | 80.0%+13.8pp |
| Annual return | 18.68% | 74.59%-55.9pp | 66.58%-47.9pp | 220.34%-201.7pp |
| Employer contribution / active EE | $10,324 | $4,804+114.9% | $4,554+126.7% | $4,156+148.4% |
| Participant deferral / active EE | $14,715 | $8,216+79.1% | $7,897+86.3% | $6,407+129.7% |
| Admin fee / account holder | $3,998 | $14,344-72.1% | $13,129-69.5% | $12,270-67.4% |