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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 | $351,430 | $176,105+99.6% | $159,474+120.4% | $167,536+109.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.32% | 331.91%-317.6pp | 263.68%-249.4pp | 478.82%-464.5pp |
| Employer contribution / active EE | $2,372 | $5,299-55.2% | $4,831-50.9% | $4,839-51.0% |
| Participant deferral / active EE | $4,117 | $7,751-46.9% | $7,353-44.0% | $6,342-35.1% |
| Admin fee / account holder | $2,650 | $12,559-78.9% | $10,802-75.5% | $12,315-78.5% |