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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 | $372,872 | $100,073+272.6% | $85,126+338.0% | $145,877+155.6% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 18.06% | 84.11%-66.1pp | 66.63%-48.6pp | 551.28%-533.2pp |
| Employer contribution / active EE | $3,087 | $3,236-4.6% | $2,731+13.0% | $4,663-33.8% |
| Participant deferral / active EE | $8,870 | $5,294+67.5% | $4,523+96.1% | $6,691+32.6% |
| Admin fee / account holder | $13,064 | $7,261+79.9% | $6,160+112.1% | $13,402-2.5% |