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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 | $302,510 | $152,612+98.2% | $125,192+141.6% | $152,897+97.9% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 25.85% | 54.85%-29.0pp | 43.79%-17.9pp | 345.43%-319.6pp |
| Employer contribution / active EE | $3,289 | $4,947-33.5% | $3,866-14.9% | $4,764-31.0% |
| Participant deferral / active EE | $9,650 | $5,868+64.4% | $4,937+95.5% | $5,851+64.9% |
| Admin fee / account holder | $5,936 | $13,437-55.8% | $9,704-38.8% | $11,599-48.8% |