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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 | $287,167 | $175,259+63.9% | $149,723+91.8% | $139,487+105.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.07% | 166.82%-150.8pp | 134.50%-118.4pp | 373.84%-357.8pp |
| Employer contribution / active EE | $6,011 | $5,478+9.7% | $4,821+24.7% | $4,755+26.4% |
| Participant deferral / active EE | $5,041 | $6,522-22.7% | $5,682-11.3% | $6,713-24.9% |
| Admin fee / account holder | $2,435 | $16,158-84.9% | $13,215-81.6% | $11,407-78.7% |