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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 | $413,732 | $160,070+158.5% | $147,117+181.2% | $145,897+183.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.88% | 98.69%-87.8pp | 420.54%-409.7pp | 552.29%-541.4pp |
| Employer contribution / active EE | $1,995 | $5,285-62.2% | $4,932-59.5% | $4,663-57.2% |
| Participant deferral / active EE | $7,593 | $8,419-9.8% | $8,065-5.8% | $6,689+13.5% |
| Admin fee / account holder | $497 | $15,035-96.7% | $12,993-96.2% | $13,390-96.3% |