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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 | $392,426 | $217,432+80.5% | $185,851+111.2% | $167,553+134.2% |
| Participation rate | 80.0% | 86.1%-6.1pp | 81.7%-1.7pp | 82.1%-2.1pp |
| Annual return | 15.79% | 148.43%-132.6pp | 122.11%-106.3pp | 478.89%-463.1pp |
| Employer contribution / active EE | $9,624 | $5,874+63.8% | $5,168+86.2% | $4,840+98.9% |
| Participant deferral / active EE | $10,700 | $6,357+68.3% | $5,569+92.2% | $6,343+68.7% |
| Admin fee / account holder | $3,331 | $19,820-83.2% | $16,245-79.5% | $12,316-73.0% |