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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 | $325,361 | $175,257+85.6% | $149,717+117.3% | $139,456+133.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.79% | 166.70%-151.9pp | 134.41%-119.6pp | 373.45%-358.7pp |
| Employer contribution / active EE | $9,857 | $5,477+80.0% | $4,820+104.5% | $4,753+107.4% |
| Participant deferral / active EE | $9,909 | $6,521+52.0% | $5,682+74.4% | $6,711+47.6% |
| Admin fee / account holder | $6,253 | $16,156-61.3% | $13,213-52.7% | $11,407-45.2% |