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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 | $279,763 | $160,040+74.8% | $147,096+90.2% | $145,877+91.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.43% | 98.49%-85.1pp | 419.75%-406.3pp | 551.28%-537.9pp |
| Employer contribution / active EE | $2,949 | $5,289-44.2% | $4,936-40.2% | $4,663-36.7% |
| Participant deferral / active EE | $8,863 | $8,429+5.1% | $8,071+9.8% | $6,691+32.5% |
| Admin fee / account holder | $3,602 | $15,050-76.1% | $13,005-72.3% | $13,402-73.1% |