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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 | $262,737 | $148,629+76.8% | $135,982+93.2% | $139,487+88.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 19.54% | 79.33%-59.8pp | 68.32%-48.8pp | 373.84%-354.3pp |
| Employer contribution / active EE | $12,227 | $5,247+133.1% | $4,859+151.6% | $4,755+157.2% |
| Participant deferral / active EE | $14,880 | $8,102+83.7% | $7,760+91.8% | $6,713+121.7% |
| Admin fee / account holder | $2,363 | $12,406-81.0% | $10,767-78.1% | $11,407-79.3% |