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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 | $293,640 | $209,428+40.2% | $178,498+64.5% | $158,950+84.7% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 8.04% | 188.78%-180.7pp | 151.09%-143.1pp | 302.91%-294.9pp |
| Employer contribution / active EE | $6,484 | $5,707+13.6% | $5,011+29.4% | $4,762+36.2% |
| Participant deferral / active EE | $5,543 | $5,955-6.9% | $5,202+6.6% | $5,983-7.3% |
| Admin fee / account holder | $720 | $17,077-95.8% | $13,985-94.9% | $11,248-93.6% |