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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 | $292,338 | $176,786+65.4% | $146,643+99.4% | $167,536+74.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 9.81% | 24.04%-14.2pp | 22.75%-12.9pp | 478.82%-469.0pp |
| Employer contribution / active EE | $7,041 | $5,161+36.4% | $4,137+70.2% | $4,839+45.5% |
| Participant deferral / active EE | $10,477 | $6,440+62.7% | $5,506+90.3% | $6,342+65.2% |
| Admin fee / account holder | $1,360 | $13,262-89.7% | $10,280-86.8% | $12,315-89.0% |