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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 | $251,880 | $159,978+57.4% | $147,041+71.3% | $145,978+72.5% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 11.40% | 98.36%-87.0pp | 419.21%-407.8pp | 550.52%-539.1pp |
| Employer contribution / active EE | $2,123 | $5,288-59.9% | $4,935-57.0% | $4,662-54.5% |
| Participant deferral / active EE | $8,331 | $8,429-1.2% | $8,071+3.2% | $6,690+24.5% |
| Admin fee / account holder | $1,425 | $15,053-90.5% | $13,006-89.0% | $13,400-89.4% |