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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 | $326,100 | $183,592+77.6% | $155,567+109.6% | $145,959+123.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.77% | 61.24%-52.5pp | 64.74%-56.0pp | 561.95%-553.2pp |
| Employer contribution / active EE | $8,621 | $5,315+62.2% | $4,674+84.4% | $4,661+85.0% |
| Participant deferral / active EE | $12,130 | $6,464+87.6% | $5,628+115.5% | $6,689+81.4% |
| Admin fee / account holder | $2,724 | $19,318-85.9% | $15,916-82.9% | $13,398-79.7% |