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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 | $636,514 | $176,105+261.4% | $159,474+299.1% | $167,536+279.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 27.06% | 331.91%-304.9pp | 263.68%-236.6pp | 478.82%-451.8pp |
| Employer contribution / active EE | $11,308 | $5,299+113.4% | $4,831+134.1% | $4,839+133.7% |
| Participant deferral / active EE | $11,856 | $7,751+52.9% | $7,353+61.2% | $6,342+86.9% |
| Admin fee / account holder | $4,678 | $12,559-62.8% | $10,802-56.7% | $12,315-62.0% |