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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 | $296,247 | $180,749+63.9% | $160,784+84.3% | $137,256+115.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 16.62% | 2234.46%-2217.8pp | 1803.92%-1787.3pp | 220.34%-203.7pp |
| Employer contribution / active EE | $4,282 | $4,155+3.1% | $3,733+14.7% | $4,156+3.0% |
| Participant deferral / active EE | $9,576 | $6,844+39.9% | $6,293+52.2% | $6,407+49.5% |
| Admin fee / account holder | $481 | $10,397-95.4% | $9,717-95.0% | $12,270-96.1% |