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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 | $343,952 | $148,629+131.4% | $135,982+152.9% | $139,487+146.6% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 13.82% | 79.33%-65.5pp | 68.32%-54.5pp | 373.84%-360.0pp |
| Employer contribution / active EE | $4,066 | $5,247-22.5% | $4,859-16.3% | $4,755-14.5% |
| Participant deferral / active EE | $12,520 | $8,102+54.5% | $7,760+61.3% | $6,713+86.5% |
| Admin fee / account holder | $376 | $12,406-97.0% | $10,767-96.5% | $11,407-96.7% |