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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 | $283,258 | $105,200+169.3% | $159,474+77.6% | $85,847+230.0% |
| Participation rate | 81.5% | 75.8%+5.7pp | 82.8%-1.3pp | 69.3%+12.2pp |
| Annual return | 13.00% | 45.08%-32.1pp | 263.68%-250.7pp | 318.61%-305.6pp |
| Employer contribution / active EE | $5,659 | $3,319+70.5% | $4,831+17.1% | $2,565+120.6% |
| Participant deferral / active EE | $13,078 | $5,946+120.0% | $7,353+77.9% | $3,952+230.9% |
| Admin fee / account holder | $2,359 | $6,934-66.0% | $10,802-78.2% | $6,261-62.3% |