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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 | $370,869 | $183,592+102.0% | $155,574+138.4% | $145,877+154.2% |
| Participation rate | 91.7% | 82.7%+9.0pp | 78.2%+13.5pp | 80.3%+11.4pp |
| Annual return | 28.82% | 61.37%-32.6pp | 64.87%-36.0pp | 551.28%-522.5pp |
| Employer contribution / active EE | $4,492 | $5,317-15.5% | $4,676-3.9% | $4,663-3.7% |
| Participant deferral / active EE | $2,376 | $6,466-63.3% | $5,629-57.8% | $6,691-64.5% |
| Admin fee / account holder | $2,919 | $19,316-84.9% | $15,914-81.7% | $13,402-78.2% |