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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 | $250,367 | $90,489+176.7% | $76,051+229.2% | $145,978+71.5% |
| Participation rate | 90.0% | 74.5%+15.5pp | 69.1%+20.9pp | 80.3%+9.7pp |
| Annual return | 12.32% | 622.78%-610.5pp | 360.42%-348.1pp | 550.52%-538.2pp |
| Employer contribution / active EE | $5,122 | $3,319+54.3% | $2,690+90.4% | $4,662+9.9% |
| Participant deferral / active EE | $13,967 | $5,164+170.5% | $4,257+228.1% | $6,690+108.8% |
| Admin fee / account holder | $4,302 | $8,374-48.6% | $6,416-32.9% | $13,400-67.9% |