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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 | $253,586 | $227,633+11.4% | $189,597+33.8% | $167,553+51.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 26.86% | 78.45%-51.6pp | 64.20%-37.3pp | 478.89%-452.0pp |
| Employer contribution / active EE | $9,109 | $5,317+71.3% | $4,412+106.4% | $4,840+88.2% |
| Participant deferral / active EE | $7,311 | $7,003+4.4% | $6,174+18.4% | $6,343+15.3% |
| Admin fee / account holder | $335 | $11,879-97.2% | $9,807-96.6% | $12,316-97.3% |