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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 | $397,001 | $209,405+89.6% | $178,486+122.4% | $158,931+149.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 24.98% | 188.77%-163.8pp | 151.08%-126.1pp | 302.86%-277.9pp |
| Employer contribution / active EE | $20,000 | $5,707+250.5% | $5,011+299.1% | $4,761+320.0% |
| Participant deferral / active EE | $11,046 | $5,954+85.5% | $5,202+112.3% | $5,982+84.6% |
| Admin fee / account holder | $4,475 | $17,076-73.8% | $13,985-68.0% | $11,247-60.2% |